Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Why do I need disability insurance when there is Social Security Disability?

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Social Security Disability is payable only for a total disability that is expected to last for at least a year or result in death.  The definition is more stringent than individual or group disability policies, you cannot do the work you previously did and cannot adjust to other work because of a medical condition.  For more details, visit this page.