Do I Need Private Disability Insurance If I Have A Group Plan Through Work? 
I personally dont think anyone should settle for a group plan through their employer . An individual contract is portable and will follow you to any future position you take . If you get sick or injured while on your group plan , and one day decide to change jobs , it will be much harder to get coverage . And unlike the coverage a group plan offers , private disability insurance benefits are tax fee ! With private DI , you can receive 70-80 % of your take home pay , as opposed to group plans that typically offer 42 % after taxes . Also , individual plans offer extra features like future increase options , partial disability or cost of living adjustments . 