[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/consumerinsuranceguide.com\/editors-picks\/why-your-group-ltd-at-work-isnt-enough\/#BlogPosting","mainEntityOfPage":"https:\/\/consumerinsuranceguide.com\/editors-picks\/why-your-group-ltd-at-work-isnt-enough\/","headline":"Why Your Group LTD at Work Isn\u2019t Enough","name":"Why Your Group LTD at Work Isn\u2019t Enough","description":"Many employers provide their employees with group long term disability insurance (LTD). While this is a nice benefit for employees, you should be aware of the pitfalls inherent in group LTD plans and how to shore those up. There are major differences between group and individual disability insurance plans, and a combination of the two usually provides the most comprehensive and cost effective coverage. Since your income is the most valuable tool you have for...","datePublished":"2019-06-15","dateModified":"2020-03-12","author":{"@type":"Person","@id":"https:\/\/consumerinsuranceguide.com\/author\/dklimas\/#Person","name":"Debbie Klimas","url":"https:\/\/consumerinsuranceguide.com\/author\/dklimas\/","identifier":68,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fb9a4e24e22390d981562d40cc6ada9c9d4b8be9d21283d97a8705f2e3863b52?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fb9a4e24e22390d981562d40cc6ada9c9d4b8be9d21283d97a8705f2e3863b52?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Consumer Insurance Guide","logo":{"@type":"ImageObject","@id":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2017\/03\/consumer-insurance-guide-logo.png","url":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2017\/03\/consumer-insurance-guide-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2010\/09\/iStock_000014043338XSmall.jpg","url":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2010\/09\/iStock_000014043338XSmall.jpg","height":282,"width":425},"url":"https:\/\/consumerinsuranceguide.com\/editors-picks\/why-your-group-ltd-at-work-isnt-enough\/","about":["Business","Disability","Editors' Picks","Featured","Long Term Disability"],"wordCount":830,"keywords":["business","group","individual","individual health insurance","long-term disability","work"]},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Editors Picks","item":"https:\/\/consumerinsuranceguide.com\/editors-picks\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Why Your Group LTD at Work Isn\u2019t Enough","item":"https:\/\/consumerinsuranceguide.com\/editors-picks\/why-your-group-ltd-at-work-isnt-enough\/#breadcrumbitem"}]}]