Prolonged inflammation, known as chronic inflammation, leads to a progressive shift in the type of cells present at the site of inflammation, such as mononuclear cells, and is characterized by simultaneous destruction and healing of the tissue from the inflammatory process.
Sources of disability income protection vary considerably in both benefit levels and definitions of coverage. Five factors affect benefit levels and coverage: elimination period, total disability, benefit period, monthly indemnity and other income sources. 1. Elimination Period. The elimination period on disability income insurance can be compared to the deductible on an automobile or major medical expense insurance policy.
The elimination period, also known as a waiting period, acts as a deductible since it determines how many days you must be disabled before the monthly benefit will be paid. This is a standard feature of a âLong Term Disabilityâ plan since the plan is intended to provide longer term protection and not step in for short term type situations. The longer the elimination period the lower your annual cost. A 90 or 180 day elimination period is recommended since you should use your emergency fund for the short term type needs.