Which of the following statements about group disability insurance versus individual disability insurance is generally true?

Question: Which of the following statements about group disability insurance versus individual disability insurance is generally true?

Answer options:

• A. Group policies typically offer 'own occupation' definitions for longer benefit periods.
• B. Individual policies usually have less restrictive underwriting and guaranteed renewability. ✅ C. Group policies are often less expensive and do not require individual medical underwriting.
• D. Individual policies provide coverage that ceases upon leaving the employer.

Correct answer: C. Group policies are often less expensive and do not require individual medical underwriting.

Explanation: Group disability insurance is usually more affordable and does not typically require individual medical underwriting, making it accessible to more employees. Individual policies, while offering more customization and 'own occupation' coverage, have stricter underwriting, are more expensive, and are generally portable.