1. 4470 POINTS
    Brandon Roberts
    Owner, The Insurance Pro Blog,
    Traditionally group disability insurance is not portable if offered under a standard group long term disability plan (aka LTD).

    However, if the policy is purchased as part of a guaranteed issue group plan, the policy may be portable by the insured, this depends on the carrier and their practices regarding such things.
    Answered on August 24, 2013
  2. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    The portability of disability insurance depends on how the policy was set up at point of purchase. If it was an individually underwritten plan and paid for by the owner, then yes it cannot be cancelled due to change of occupation or health. If the plan was through a group it is advised to ask the benefit administrator or human resources director how the policy was set up. The short answer is some group disability policies are portable and some are not.
    Answered on June 17, 2014
  3. 5082 POINTS
    J Paul Wilson CFP, CHFC
    Certified Financial Planner, JPW Insurance Retirement Investments, Halifax, Nova Scotia, Canada
    One of the advantages of individual disability insurance polices is that they are portable.

    Some group insurance plans do offer the ability to convert your group coverage under certain circumstances (check with your provider).

    If you have further question, or feel that I could be of assistance, please do not hesitate to contact me.
    Answered on July 24, 2014
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