With group insurance, coverage typically ends when you leave your employer, unless your plan lets you convert to individual coverage. If it does, you usually have to apply within a short window after you leave, so check the deadline in your plan. Individual disability insurance is not tied to your job, so it continues regardless of your employment status.
What happens to my disability insurance if I leave my job?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about disability insurance
Replaces part of your income if illness or injury stops you working.
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