Life insurance is the opposite ... and it falls under the true own-occupation definition of disability. What if you are in a profession that does not offer group plans? You can buy an individual ...

The law entitles employees who become disabled to a benefit replacing their wages when they become long-term disabled, e.g. for more than one year.

The law entitles employees who become disabled to a benefit replacing their wages when they become long-term disabled, e.g. for more than one year.