14.3.2 Probationary Period
The probationary period in disability income policies applies to sickness only, not accidents. It is the period of time that must pass following the policy's effective date before benefits are payable. This is a one-time only period that usually lasts 15 or 30 days.
The reason for the probationary period is to protect the insurer from preexisting illnesses during the policy's initial timeframe.
