I have both an individual disability insurance policy, which I purchased on my own, and a group disability insurance policy through my employer. Will I be able to recover benefits from both insurance policies if I become disabled?

Answer: It depends, but most likely yes.

The group disability policy provided by your employer will most likely offset other income benefits you receive such as:

• social security disability;
• worker’s compensation;
• and other group disability insurance, such as a group you may have through an association or other group insurance provider.

However, individual disability benefits from your individual disability insurance policy which is individually underwritten to you is generally not an deductible source of income.

Some very limited group disability insurance policies will offset benefits from any source including your individual disability insurance policy.

It is important for you to review the section of your group disability insurance policy discussing deductible sources of income and other income benefits.

If you still have questions, please feel free to contact us for a free consultation.