In a disability income policy with a 60-day elimination period, when will the insured begin receiving benefits?

In a disability income policy that includes a 60-day elimination period, benefits begin after the elimination period has been met. This means that the insured must be disabled for the entire duration of the elimination period—60 days—before they are eligible to start receiving benefits.

Therefore, if the elimination period is 60 days, the insured will not receive benefits during those initial two months of disability. Once the 60 days have elapsed, coverage for benefits will commence, which means the insured will begin receiving benefits on the 61st day of their disability.

It's important to understand that the elimination period serves as a waiting period to help insurance companies manage the risk of short-term disabilities and to encourage policyholders to have some level of financial resources for the brief time they are unable to work, while still providing support thereafter.