What can an individual do after the elimination period in a disability insurance policy?

After the elimination period in a disability insurance policy, the individual can start receiving benefits for the disability. The elimination period is a specified duration during which an insured person must be disabled before they are eligible to receive benefits. This period is essentially a waiting time that helps insurance companies manage claims and reduce the risk of fraudulent claims. Once the elimination period has passed, the insurer is obligated to start paying out the benefits as outlined in the policy.

The other choices provided do not correctly represent what occurs after the elimination period. Filing for a secondary claim may not be relevant since the individual is already dealing with the primary claim for disability benefits. Changing coverage type or switching insurance providers without penalty typically cannot happen immediately after the elimination period and usually involves additional conditions or timing considerations that are outside the scope of the disability insurance benefits. Thus, the correct answer demonstrates the direct consequence of reaching the end of the elimination period—activation of benefit payments for the valid claim of disability.