Investing in an individual disability insurance (IDI) policy is a priority for all doctors and healthcare professionals but there are gaps in coverage even in the best of policies. For instance, you would have received good advice about the need to make your primary investment on a long term IDI policy and rightfully did so. It is quite unlikely that you would have thought of something called the elimination period unless you read the policy fine print down to the last word. This is the period between your claim approval and the time when the policy benefits begin to roll out. disability companies