Group benefits cover all eligible employees, regardless of their health. Once issued, the language, benefits, and costs of an individual disability policy are contractually guaranteed, even if you change your occupation or employment. Individual policies may also be issued with exclusions limiting claims due to pre-existing conditions. 

Some common coverage examples:

• Rehab
• Maternity leave
• Runner's knee
• Whiplash
• Tennis elbow
• Surgery recovery
• Bunion removal
• Carpal tunnel syndrome
• Stress/anxiety
• Tendonitis
• Herniated disks
• Broken bones

Advantages of a group plan include:

• Plan design flexibility. In many cases, employers can elect a plan design that fits their budget and works for their employees. For example, an employer may choose a guaranteed issue plan, allowing employees to purchase coverage regardless of their current health condition.
• Lower premiums. Group rates tend to be lower than individual rates.
• Potentially portable. Depending on the plan design, covered employees may be able to take their coverage with them if they leave the company.
• Premium payment flexibility. Premiums can be paid by the employer, the employee, or a combination of the two, using pre-tax or after-tax dollars.
• Tax deductible premiums. You can take pre-tax company-paid premiums as a business tax deduction.
• Recruitment and retention tool. Group disability insurance in your benefits program helps attract and retain quality employees.