Yes, as long as you are dependent or your loved ones are dependent upon your income. Statistically speaking you are 8 times more likely to become disabled than to die. Long term disability allows you to receive up to 70% of your income until as far out as age 67 years old. long term disability is a must for most people in there financial plan.
That is a difficult question to answer without more details. I can say a tentative yes,
Long term disability, in a group setting usually does not provide as broad as coverage as individual plan. That is offset but the fact that group long term disability is often less expensive.
Am independent life insurance broker, representing several companies, can help you integrate an individual plan with a group ltd plan.
If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.
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Long term disability, in a group setting usually does not provide as broad as coverage as individual plan. That is offset but the fact that group long term disability is often less expensive.
Am independent life insurance broker, representing several companies, can help you integrate an individual plan with a group ltd plan.
If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.