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      Older people are thus treated differently than younger people (i.e., a pros and cons of marijuana distinction is made, discrimination occurs). This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle. Not every variable matters to every type of disability insurance, but most of these are generally relevant. Was the disability unpredictable (not resulting from previously-known chronic illness)? Was the disability incurred in the course of performing job-related duties? How long is the waiting period before claim payments start? What other insurance policies will pay claims for this event? How much money will be paid per week/month/pay period? For how many weeks/months/pay periods will payments continue? What if the beneficiary is not totally disabled, but only partially? Examples of how each variable may be important Was the disability unpredictable (not resulting from previously-known chronic illness)? For example, a potential policyholder seeking a regular individual policy on discount bathroom tubs the open market must warrant that he is in good health and to the best of his own knowledge is not currently HIV-positive