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.
Long-term disability insurance (or LTD insurance) has the same purpose as short-term disability insurance. The difference is when it kicks it and for how long. Long-term disability insurance only kicks in after an elimination period (a.k.a. a waiting period). The typical elimination period is 90 days, but can be as long as 180 or 360 days depending on your policy.