Disability benefits begin after the elimination period — the waiting period from the onset of disability before the insurer starts paying. Common elimination periods for long-term coverage are 60, 90, 180, or 365 days; 90 days is the most common. The benefit period — how long benefits can be paid — ranges from 2 years and 5 years to age 65, 67, or 70. Choosing a longer benefit period and shorter elimination period provides stronger protection but raises the premium.