One of the main differences between Haven Disability and employer-provided plans is portability. If you change jobs, your employer-provided disability coverage will probably end, but you can take Haven Disability with you if you switch jobs. If your employer pays for your short term disability insurance, or if you pay for it with pre-tax money, the disability benefits you receive will likely be subject to taxes. Because Haven Disability is purchased with after-tax income, your benefits aren’t subject to tax deductions. We can’t offer Haven Disability to anyone planning to replace an existing disability policy, but it can be used to supplement your coverage. If your workplace disability policy won’t quite cover your monthly bills, choosing a small individual policy may help fill the gap.