Group disability insurance is disability coverage offered by employers that pays out a benefit to replace some of an employee's lost income if they are unable to work due to an illness or injury. It helps an employee protect their most valuable asset-their ability to earn an income. Coverage can be long term or short term. The plan's benefits and premium costs are generally the same for all members, regardless of their individual job, health history or lifestyle habits. Coverage for an employee will end when employment ends.