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I have long-term disability insurance at work, am I covered?

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.

Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.