September 2018 – Check your group disability policy.  It may be relatively inexpensive or even free but are the benefits sufficient, or do you need to supplement it with your own individual policy? Three most common shortfalls include a maximum benefit much lower than your income, a benefit period that may not run to age 65, and how your policy defines disability.  Most policies change the definition after 2 years, so if you are still disabled, but can perform ANY meaningful work, you may not qualify for further benefits.  Know what you have.  Top up coverage can be affordable and protect your future plans.