10/22/2026
Your employer-provided disability insurance may not cover as much as you think.
While group disability insurance is a valuable benefit, it often comes with limitations:
Coverage Caps: Benefits may replace only a portion of your income, up to a monthly maximum.
Income Gaps: Bonuses, commissions, and other compensation may not be fully covered.
Limited Portability: Coverage typically ends when you leave your employer.
For high-income professionals, these gaps can make a significant difference in protecting your financial future.
Don't wait until you need coverage to find out what's missing. Review your benefits and consider whether supplemental disability insurance makes sense for you.