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For your convenience, below are some definitions that will help you make educated choices when looking for a disability plan:

Elimination Period
(1) Under a disability income policy, the specific amount of time an insured must be disabled before becoming eligible to receive policy benefits. In a residual disability income policy, often referred to as a qualification period. (2) Under a long-term care policy, the number of days after long-term care begins that an insured must wait before benefit payments begin. Also known as waiting period.
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Occupational Rating Classes
Established by insurance companies for use in underwriting disability income coverage, these classes categorize occupations according to the relative degree of risk. See also underwriting.
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Disability Income Insurance
A type of health insurance designed to compensate an insured person for a portion of the income lost because of a disabling injury or illness. Benefit payments are made either weekly or monthly for a specified period during the continuance of an insured’s disability. See also income protection insurance.
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Income Protection Insurance
A type of disability income coverage that provides an income benefit both, while the insured is totally disabled and unable to work and while he is able to work, but because of a disability, is earning less than he earned before being disabled. Also known as residual disability insurance.
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Residual Disability
In disability income insurance, a condition in which the insured is not totally disabled, but is still unable to function as before the sickness or injury, and therefore suffers a reduction in income of at least the percentage—typically 20 percent to 25 percent—specified in the disability income plan. Also known as partial disability.
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Guaranteed Insurability (GI) Benefit
A supplementary life insurance policy benefit often provided through a policy rider that gives the policyowner the right to purchase additional insurance of the same type as the life insurance policy that provides the GI benefit on specified option dates. Also known as guaranteed insurability option (GIO).
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Income Replacement Table
For disability income coverage, a table that presents the limits on the amount of disability income insurance—usually expressed as an amount of monthly benefit—an insurer will issue based on an applicant’s earned income.
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Noncancellable and Guaranteed Renewable Policy
An individual health insurance policy, which stipulates that, until the insured reaches a specified age (usually age 65), the insurer will not cancel the coverage, increase the premiums, or change the policy provisions as long as the premiums are paid when due. Also known as noncancellable policy. Contrast with guaranteed renewable policy.
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Guaranteed Renewable Policy
An individual health insurance policy that requires the insurer to renew the policy—as long as premium payments are made—at least until the insured attains a specified age. The insurer can change premium rates for broad classes of insureds but not for an individual insured. Contrast with noncancellable and guaranteed renewable policy.
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