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.
This info-graphic explains why you might be less protected than you thought. Click here to download this PDF.
Can Group, Private Disability Policies Work Together?
“ I have group coverage through my employer. I don’t need individual coverage.”
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: