Question
Why does my husband's Guardian policy not pay for elimination period while mine does?
My husband and I were both in an accident. My neck is broken. I have Unum and a 5 day elimination period. They have approved my short term claim and sending a check out already. My husband has been employed over 30 years with same company and has Guardian. He also has a 5 day elimination period. My husband was off 11 days, but Guardian says the elimination period does not count as a paid period. They will only cover 6 of the 11 days, claiming elimination periods don’t qualify for pay. Why would my policy pay for those days while his doesn’t… when both policies have the 5 day elimination period?
Answer
Roxy, The policy will define elimination period as the period of days that one must be disabled before benefits become payable. Benefits are not typically paid for elimination period days.
