Most employer based group disability insurance policies provide benefits for 2 years, even though most employer based group long - term disability claims last almost 3 years. (termlife2go.com)
Most group disability insurance plans, particularly long - term disability plans, allow a two year own occupation definition of total disability. (termlife2go.com)
In most cases, employees are provided with group disability insurance through their employer; however, such plans do not provide for full income loss replacement. (nationalonlineinsuranceschool.com)