I recently reviewed the group long-term disability policy for nurses at Inova's Fairfax Hospital. Unfortunately, this is about a grade C- plan and nurses at Inova would be well - advised to purchase their own private policy to supplement this cheapo one.
The biggest problem? It protects the employee if they become disabled and cannot perform the duties of a nurse for only one year!
Most "basic" policies providet his type of protection for at least 2 years. This is like having half of a policy!
Our recommendation to Inova Nurses would be to examine the group plan, figure out what long term disability protection you really need, and shop for it on the open, individual, market.