What Is Group Disability Income Insurance Plans? 
The simple basic answer is Group Disability Insurance is a plan which your employer offers as part of a benefit package . The other option is Individual Disability Insurance which is a plan you own yourself and will follow you if/when you leave your current employer . The differences are going to be the benefit that is provided . Individual plans are more comprehensive where the group plans are more cost effective -LRB- you pay less -RRB- and may be guaranteed . Individual plans can provide a benefit even when you go back to work if build into it . I would recommend comparing the differences or each to fully understand . If you have an option to get Group Disability Insurance , Take It ! You will pay pennies on the dollar . Then decide if you need additional and/or if it makes sense . 