Michael Pottruff

Think your group benefits coverage is set in stone?

Many employees don't realize there may be options available to enhance certain areas of their existing coverage.

Top-up coverage is designed to work alongside your base benefits plan and may help address gaps or limitations depending on the options available through your employer.

Understanding your benefits is just as important as enrolling in them. A quick review could help you better understand the coverage you have today and the options that may be available to you.

Have you ever reviewed your benefits outside of enrolment season?

Many people only become aware of gaps in their benefits when they actually need to use them…

It doesn’t usually come up during enrollment—it often shows up during a claim, a bill, or an unexpected expense.

That’s when details like limits, partial coverage, or eligibility rules can become more noticeable.

And in many cases, these aren’t things people think about until they’re actively using their benefits.

A quick review in advance can help you feel more informed about what your plan includes when you need it.

Most people don't discover gaps in their coverage until they're trying to make a claim.

By then, the focus shifts from planning ahead to dealing with an unexpected expense or limitation.

The reality is that many employees simply haven't had the opportunity to review their benefits in detail. Taking the time to understand your coverage before you need it can help set clearer expectations and reduce surprises down the road.

That's why regular benefits reviews are so important.

Why do you think coverage gaps are often discovered after the fact?

Why do benefits plans that seem clear at enrolment become confusing over time?

Most people don’t feel uncertain about their benefits right away—it tends to build gradually.

You enrol once, life changes, but your plan details don’t always get revisited. Over time, that can create a gap between what you think is covered and what’s actually included.

Coverage that isn’t regularly reviewed, forgotten plan details, and changing personal needs can all contribute to that shift in clarity.

Have you ever looked at your benefits and realized something wasn’t what you expected?

How group disability coverage is structured👇

Group disability coverage is generally set up at the employer level in partnership with an insurance provider, rather than being designed individually for each employee.

The structure of the plan is influenced by factors such as the level of coverage selected by the employer, the overall cost of offering benefits to the group, and standard plan design guidelines used by insurers.

Eligibility rules and plan terms are also defined as part of the group policy.

Because group plans are designed to apply to a broad employee population, many of the terms and conditions are standardized across members of the same plan.

This means there is often limited variation in how coverage applies from one employee to another.

Understanding how the plan is structured can help provide more clarity on how coverage works within a workplace benefits program.

If you have questions about your group disability coverage, contact me to review your plan.