Disability income insurance is designed to replace ones income when they are no longer able to work due to a disability. The amount of time one would need to wait before receiving their first payment is called the Waiting Period.
Your waiting period will depend on your policy. Waiting periods for your first disability payment can range anywhere from 60 days to a year depending on your policy's particular waiting period. If you are able to choose your waiting period and would like a lower disability insurance premium, you will want to choose a longer waiting period.