Disability Myths:“I'm covered through work”
Lucky you! Not all companies offer group disability insurance. But you can’t keep your coverage if you switch employers. And chances are, your group benefits alone won’t protect a large enough percentage of your salary, bonus and incentive income.
Group long-term disability (LTD) coverage is a great start to protecting income; however, unless supplemented, it likely will not be enough in the event you become disabled. An individual disability insurance policy is a terrific supplement to the foundation that group LTD provides and can help ensure that you’re adequately protected.
Reasons to consider supplementing group coverage: