This is the period of time over which you will continue to receive monthly benefit whilst you cannot work. The benefit period can range from 1 year, up to an “age 65” policy which continues to pay you benefits until you reach age 65 or until you can return to work, whichever is sooner. There are also some policies now available with benefit periods up to age 70, however these are often restricted to white collar workers. As a general rule, the longer the benefit period the more expensive the premium will be.