Are you comfortable relying on your employer-provided coverage despite the following limitations on most group disability plans?
1) Benefits are taxable, which means you must pay state and federal income tax on the benefit proceeds.
2) The policy definitions can change depending on how long you stay on claim.
3) This coverage is not portable if you leave the company or if your employer decides to cancel the plan.
4) "Offset clauses" are engineered to reduce your benefits if you report other income while on claim.