Disability policies generally have an unpaid elimination period, or benefit waiting period. Disability benefits begin after the elimination period has passed. Some common STD elimination periods are zero days, 1 week, 2 weeks, or 30 days. LTD elimination periods typically align with the end of STD and are most commonly 90 days or 180 days. The elimination period is specified in the policy schedule of benefits. You can receive a copy of your policy from your benefits administrator or your human resources department.