Disability insurance provides you with financial security when an accident or illness causes you to be disabled and unable to work or earn an income, which is normally one's greatest asset.
Disability insurance replaces a portion of your income if you become unable, through injury or illness, to work. Policies differ on how soon you would collect benefits and for how long. They also vary in whether disability benefits are received if you can't perform the duties of your own occupation, a job in your field, or any job at all.
Disability insurance benefits are almost always payable on a monthly basis, while the disability continues. Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability. If the disability insurance policy is paying a disability benefit to the insured and they die, a nominal life insurance benefit is usually payable in a lump sum and will end the contract.
Group long term disability insurance in many cases is very inferior in protection and individuals need to have the advisor they work with look at their documentation and comment on the same to be well informed.