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The term that refers to the time between the disabling event and the beginning of payments in disability coverage is known as the elimination period. This concept is fundamental in disability insurance, as it represents a waiting period that must elapse before the insured starts receiving benefits. During this time, the insured is expected to manage the consequences of their disability without financial assistance from the insurance policy. The elimination period can vary in length depending on the specifics of the insurance policy, and choosing a longer elimination period can often result in lower premiums for the insured.

In contrast, out-of-pocket refers to expenses that are not covered by insurance and that the insured must pay directly. A stop gap typically relates to temporary measures taken to address an issue, but it does not specifically refer to the disabling event or insurance coverage in this context. A deductible is the amount that an insured must pay out-of-pocket before the insurance coverage kicks in for other types of insurance but does not apply to the concept of waiting for disability payments to start. Understanding these terms is crucial for navigating disability insurance effectively.