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.
But keep in mind a few important things: 1  Most policies are designed to be most cost-effective with at least a 90-day waiting period. 2  Individual LTD policies usually pay at the end of each month â so if you have a 90-day elimination period, you will not receive your first claim check until the 120th day. You should look at your financial situation to determine how long you can be without an income to decide what elimination period is best for you.