Skip to Content

Insurance for North Carolina State Firefighter Association

We Are Dedicated To The Professional Association Insurance Industry Nationwide.

Are you about to enroll in a group disability insurance plan? Below, we explain some of the advantages and disadvantages to help you make an informed decision.


The most notable advantage with a group disability policy is the price you will pay. Since group disability plans are lumped together, you usually end up paying a lower premium. Another benefit is that employers generally pay part of the premium. Your portion of the premium is taken right from your paycheck before taxes. Most group disability plans don’t require physical examinations, so everyone who opts in will get coverage.


Group disability policies aren’t as flexible as individual disability policies. Employer group policies are not portable, which means you can’t continue the group-plan if you change jobs or discontinue your employment for other reasons. The premium of a group disability policy also increase as you get older. The plan benefits will also be offset by Social Security, worker's compensation, and certain other types of disability insurance.

Do You Need Help Choosing the Right Plan?

Whether you decide to get insured through your employer or by purchasing your own plan, you need to ensure the policy you choose covers everything you might need in the future. Our friendly insurance administrators are here to help you find a policy that meets your needs and fits your budget.  At Insurance Specialists, Inc., we have 60 years of experience providing our clients with dependable products and consistent service. If you need help finding an insurance plan with high-quality benefits, you should get in touch with our team.

Call (888) 451-0883 to set up your consultation with our dedicated professionals.