Which disability definition applies, and for how long?
Many plans apply a favourable definition for two years, then switch to “any occupation”. A long disability therefore changes regime at the worst possible moment.
Is the benefit taxable?
If the employer pays the premium, it generally is. The gross figure in your booklet is therefore not what you will receive. Do the net calculation before judging the coverage adequate.
What remains if you leave?
Resignation, dismissal, layoff, retirement: the coverage generally ends, sometimes with a short conversion right. The moment you lose it is also the moment your health may have changed.
Does the cap affect you?
Plans cap both the benefit and insurable earnings. Above that, the uncovered portion of your income is a matter for an individual contract — bought in good health, not at the moment of need.
No rate, price, or recommendation on this page. Amounts and limits change: verify them with official sources before deciding.