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In the Untied States the term "voluntary long-term disability insurance" is talking about a disability policy (short or long term) that the employee has a choice to either purchase the policy, or to skip the coverage. On thing about disability insurance in the United Sates is that if the employer pays for the policy, then the employee has to pay taxes on ...


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"Voluntary" generally refers to an employer group benefit that is made available to some or all employees and the employee can optionally participate in the plan. The link you included refers to "voluntary group insurance" you can't buy that as an individual. An employer or some sort of trade association group can buy it and you can participate if you ...


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In my experience, "voluntary" is only used when talking about insurance gained through an employer (in other words, employer sponsored). "Voluntary" usually indicates that insurance is on top of the basic plan, and the employer does not contribute to the premium. This is in contrast to health insurance where the employer usually pays a certain percentage of ...


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