I get this question all the time. Is my employer's disability insurance plan "good enough" or should I buy one of those individual policies?

The answer is that if you want any real coverage, and can afford it, get an individual policy. Most group policies are virtually worthless.

There's a couple of financial writers who commented on this recently. You can see my response to their article as well.
Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.
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