Long-term disability insurance takes over once short-term coverage ends. Available through WSIB, group or individual insurance, this coverage is designed to protect you for years. However, before payments start, you must go through the elimination period. This is typically between 0-730 days where benefits will not be paid. This allows the underwriter to assess if you remain disabled during this time (to help prevent fraud). Elimination periods affect your premium. The longer the period, the cheaper the premium – but the longer the period, the more savings you need to self insure while you do not have an income or the ability to work. Also, remember that the disability you collect from any source is calculated into your allowable maximum. A zero-day policy can also affect your short-term benefit calculations as well.