Sophie, a 35-year-old self-employed graphic designer in British Columbia, wants to ensure she has income protection if she becomes disabled and unable to work. She is concerned about the initial period of disability before benefits begin. Which type of waiting period should her disability insurance policy ideally include to address this concern?

Question: Sophie, a 35-year-old self-employed graphic designer in British Columbia, wants to ensure she has income protection if she becomes disabled and unable to work. She is concerned about the initial period of disability before benefits begin. Which type of waiting period should her disability insurance policy ideally include to address this concern?

Answer options: ✅ Elimination period

• Probationary period
• Benefit period
• Recurrent disability period

Correct answer: Elimination period

Explanation: The elimination period (or waiting period) is the length of time an insured must be disabled before benefits become payable under a disability insurance policy. It directly addresses the concern about the initial period without income.