The simple basic answer is Group Disability Insurance is a plan which your employer offers as part of a benefit package. The other option is Individual Disability Insurance which is a plan you own yourself and will follow you if/when you leave your current employer.
The differences are going to be the benefit that is provided. Individual plans are more comprehensive where the group plans are more cost effective (you pay less) and may be guaranteed. Individual plans can provide a benefit even when you go back to work if build into it. I would recommend comparing the differences or each to fully understand. If you have an option to get Group Disability Insurance, Take It! You will pay pennies on the dollar. Then decide if you need additional and/or if it makes sense.
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The differences are going to be the benefit that is provided. Individual plans are more comprehensive where the group plans are more cost effective (you pay less) and may be guaranteed. Individual plans can provide a benefit even when you go back to work if build into it. I would recommend comparing the differences or each to fully understand. If you have an option to get Group Disability Insurance, Take It! You will pay pennies on the dollar. Then decide if you need additional and/or if it makes sense.