Long-term disability plans usually state that _______. Question content area bottom Part 1 A. there should be no waiting period for an employee before the employee can apply for long-term disability income B. employees are eligible only if they did not have a pre-existing condition at the start of the plan C. an employee has to wait three to six months before disability payments are made following an illness or injury D. an employee should have a waiting period of three months after the expiration of short-term benefits E. an employer should cover the employee even before the sick leave or short-term benefits run out