What is the difference between individual long term disability coverage and group coverage?

Group long term disability coverage is purchased by an employer to insure a large group of employees who work in industries which are very dangerous and have high percentages of seriously disabling injuries. Your employer will let you know if they have group coverage. If they do, you will pay a certain portion monthly and your employer will pay the rest.
Individual coverage is purchased when a person wants to be covered independently from an employer and takes out an individual plan in his or her own name.

If you would like to speak with an attorney about your specific situation, then the Indiana long term disability lawyers of the Hankey Law Office can help. Contact us today at (800) 520-3633 to learn more.