When does long-term disability income start?

Long-term disability income typically begins after a waiting period, known as the "elimination period." This period varies by policy but is often aligned with the end of the weekly indemnity benefit period. By the end of this period, the insured has usually exhausted any short-term disability payments they might have received.

In the context of the question, the correct answer indicates that long-term disability income starts after this specified waiting period, which is designed to ensure that short-term disabilities are covered first and that the individual is then transitioned into long-term disability coverage if their condition persists.

This aligns with the structure of disability policies, which often separate short-term coverage from long-term coverage due to the differing nature and duration of disabilities. Therefore, the choice stating that it starts at the end of the weekly indemnity benefit period accurately reflects how these policies are set up, providing continuity in income protection for individuals who cannot return to work due to long-term conditions.