If you were forced to retire today, would you be able to pay your bills? If so, for how long, and would this affect your retirement at all? 

Your Group Long Term Disability (LTD) plan through your employer may not provide the coverage you need if you become too sick or injured to work. These typically only cover base salary and have a capped monthly benefit. Also, this is not covered if you have commissions or bonuses associated with your income. If your employer pays for your Group LTD plan, there could be additional tax on your benefits because they are paid with pre-tax dollars.

Protect your largest asset with personal income protection 

An Individual disability insurance policy can help protect you from all future curveballs life may throw so you and your family are protected from financial devastation. With an individual policy, you own it yourself, which is non-cancellable as long as premiums are paid.