What is the difference between individual disability insurance and group disability insurance?

To help employees obtain coverage in the event of disability, employers purchase individual and/or group disability insurance plans. These insurance plans have several key differences:

  • A group disability insurance plan is the standard coverage strategy for the majority of employers.
  • Individual disability insurance plans can be purchased by employers as supplemental coverage, or as the primary insurance plan if group coverage is unavailable.
  • Group disability insurance plans typically have lower premiums, however, they also tend to have more limited benefits.
  • While individual disability insurance plans usually have higher premiums, they tend to provide better benefits to disabled employees.
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