Group Long Term Disability Coverage Only

• No Underwriting
• Inexpensive for entire group

• Cancelable
• Coverage restrictions
• Coverage integration
• "Reverse Discrimination" against Key Executives

Individual Disability Coverage Only

• Non-Cancelable
• No Offsets, few restrictions
• Pays even if you work another occupation

• Underwritten at time of application
• Apparent higher cost

Group LTD + Individual DI

• Maximizes strengths of both LTD & Individual DI
• Eliminates "Reverse Discrimination" problem
• Provides ultimate flexibility for present and future
• Protects actual earned income in occupation, not just base salary

• More expensive than LTD alone