Individual Disability Insurance
The cost of group plans is less expensive than one may think. Once it is set in place, all are automatically covered within the business.
If an employer does not offer these policies, we recommend looking into these policies for personal safety. Individual disability plans will start to pay benefits after one has been out of work between 1-6 months.
If an employer does offer group coverage, make sure to check of the qualification like: length of coverage, benefits, commission income and whether or not the coverage will last after leaving the organization and the employer.