What does "group disability insurance" primarily cover?

Group disability insurance primarily covers a collective group of individuals, typically provided through an employer or an organization. This type of insurance is designed to protect members of a defined group from loss of income due to disabling conditions that prevent them from working.

The primary advantage of group disability insurance is that it allows for coverage at a lower cost than individual policies, as the risk is spread across a larger pool of insured individuals. Group policies often include standardized benefits, and eligibility is usually based on employment status, making it straightforward for employees to gain access to this important type of financial protection.

In contrast to the other options, which might represent individual or specialized coverage scenarios, group disability insurance focuses on the collective protection of a group rather than on individual circumstances or particular injuries.