Story at-a-glance Group disability coverage has major limits – Most employer-provided plans cap benefits, include taxable payouts, and may not cover your specialty.You could lose coverage when changing jobs – Group policies don’t follow you and may drop off unexpectedly during
Group Disability Insurance: Could It Leave Your Income on Life Support?
Story at-a-glance Group disability insurance may not protect your actual specialty – Many policies use an "any occupation" definition after just 2 years.You may only receive ~35–40% of your salary – After offsets, taxes, and uncovered bonuses, benefits can fall far short of