For continuous income while disabled, what should Larry's individual disability policy elimination period be if he has a two-month wage continuation benefit from his employer?

In determining the appropriate elimination period for Larry's individual disability policy, it is essential to understand the concept of the elimination period itself. This period, sometimes referred to as a waiting period, represents the time a policyholder must wait after a disability occurs before becoming eligible to receive benefits from their disability insurance.

Given that Larry has a two-month wage continuation benefit from his employer, this means he will be receiving income for the first two months of his disability, or approximately 60 days. To ensure that the benefits from his individual disability policy appropriately begin after this employer-provided benefit ends, the elimination period should logically align with or extend beyond that time frame.

Choosing an elimination period of 60 days would mean that the benefits from Larry's individual policy would start right as his employer-provided coverage expires. A shorter period could result in overlapping benefits, where Larry is potentially receiving benefits from both plans simultaneously, which is generally not allowed. A longer elimination period, such as 90 days, would delay the start of his individual policy benefits unnecessarily, leaving him without income for a prolonged duration after the employer benefits conclude.

Thus, an elimination period of 60 days is appropriate in this context because it effectively coordinates with his existing employer coverage and ensures a seamless transition to