![concept-piece-download-50016-protection-gap-of-group-di](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-50016-protection-gap-of-group-di.png)
Employer-provided long-term disability coverage is a start. But, there’s a cap on monthly benefits, and highly paid employees take a big pay cut if they go on claim. An individual DI policy can supplement group coverage and replace more income when clients need it most.