Group long-term disability is insurance offered through work and usually paid for by your employer. Individual long-term disability insurance is what we offer here at Saturday Insurance — disability insurance that you buy on your own.
Group disability is your first line of defense because it’s usually free and doesn’t require a medical exam. Even if it’s not free, group disability is also usually much cheaper than individual insurance. In general, experts recommend you max out your group disability coverage as much as you can, even if you need to pay a little extra out of your pocket.
If you don’t have group disability coverage at work or if your work covers less than 60% of your pay, then you likely need an individual long-term disability policy.
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