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    Disability Elimination Period Calculator

    Balance premium savings from a longer waiting period against your savings.

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    Max annual savings (30 vs 180-day wait)
    $900/year
    Months of expenses covered by savings$6
    30-day premium$2,200
    90-day premium$1,600
    180-day premium$1,300

    Based on your savings, consider a 180-day wait (lowest premium). A longer elimination period saves premium but requires enough savings to cover the wait.

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