If you have a Group Plan through your employer, you may still want to consider purchasing private Disability Insurance for additional coverage. While Group Plans typically provide some level of disability coverage, they often have limitations, such as a cap on benefits and restrictions on the types of disabilities covered. Private Disability Insurance can offer more comprehensive coverage, including higher benefit amounts and a wider range of disability types. Additionally, private policies are portable, meaning you can take them with you if you change jobs, whereas Group Plans are typically tied to your employment. It's important to carefully review the details of both your Group Plan and any private policies you are considering to ensure you have the coverage you need. Consulting with a qualified insurance agent or financial advisor can help you make an informed decision based on your specific circumstances.