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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.

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.

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