Welcome back to another episode of Digging Into... A weekly video series where we will be answering commonly asked questions.

We are continuing to dig into disability Insurance this month. In this week's episode we're going to be reviewing employer disability insurance policies.

So should you get your own? Or is your employer's policy good enough?  

Find out the answer in this week's episode! And if you have more questions or would like to learn more about disability insurance, complete a quote request and set up a time to speak with us.



It’s no surprise that most doctors get some type of group disability insurance policy from their employer. We get asked the question all the time, “If I get a group policy from my employer, do I really need a separate disability insurance policy?”

Very simply the answer is Yes. 


A lot of doctors should consider their own personal policy as their base policy, and whatever any employer is given them as a supplemental. There are several reasons why that would be. 

The employer policy or group policy has many facets with them that make it not as comprehensive as the privacy policy from one of the own occupation big 6 such as:

  1. Taxable benefits, so if and when you collect your benefit from your employer, you have to pay income taxes on it. 

  2. Not own occupation, so if you are doing anything else, you will not get your full benefit. 

  3. Non-portable, so if you leave that employer, you can not take the policy with you because the employer owns the policy. 

And that brings us to our last point

  1. The employer owns the policy, so if they want to change, cancel, or modify it at any time they have the right to do so.


If you have coverage from your employer and you have been holding off looking at your own options, thinking that it covers you well enough, trust us it's not going to. 

You really should look into your own options, and let us know we will be happy to show you the options and how they match up with what your employer is currently giving you to get your full income protected. 

As always, if you have more questions you'd like answered leave a comment below or reach out to us! We are always here to help!