Company provided group disability insurance and government provided social security disability benefits are simply not enough for executives and highly compensated employees.
Company provided group disability is a great foundation but every plan has limitations and are not portable.
Group disability plans typically do not include incentive compensation such as bonuses and commissions.
Group disability plans usually have a maximum benefit period of two years for certain disabling conditions.
Many people would never qualify for a fully underwritten disability policy without exclusions. Guaranteed Issue Disability Insurance eliminates the need for medical underwriting.