Your source for the latest health, disability and Insurance news and tips

Individual vs Group Disability Plans: What’s The Difference?

May is Disability Insurance Awareness Month, making it the perfect time to learn how to protect your livelihood. Not all disability insurance policies are alike, making it important to know the key differences between individual and group disability insurance plans.

An estimated 40% of Americans have disability insurance, and a majority of them have a group LTD plan through their employer or a professional organization/association. These policies are typically more affordable and accessible than privately purchased individual LTD policies, but they may also have more limitations.

In this video, we explore how the type of policy you have affects your claim, appeal and litigation options.

If you plan to purchase a long term disability insurance policy, knowing the differences between individual and group plans will help you select the right coverage for you. If you already have a disability insurance policy, this information can help you understand the benefits you’re eligible for and what to anticipate if you need to file a claim.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.
Skip to content