Much has been said about the inadequacy of group disability insurance plans offered by employers For example, group disability plans generally have the following shortcomings: - The plans pay up to 60% of regular income, however, all benefits are fully taxable, reducing take-home pay to roughly 42% of your standard paycheck - Group benefits are commonly reduced based income from other sources such as federal Social Security Disability Insurance (SSDI), Worker's Compensation, or any plan/program toward which the employer contributes or makes payroll deductions...