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If you are depending on long-term disability coverage in a group long-term disability or association coverage, be careful as you may be in for a surprise at the time of claim.
Obtaining a personal disability policy has several advantages:

Recently I was invited to speak at a financial planning seminar where the audience included many dentists from the nearby community. The subject of Dental Association Group Plans came up, and several of the dentists in attendance asked my opinion on their plan and what it might be lacking. That afternoon I did some research on their group plan website (CDSPI) and noticed that life and disability insurance were offered, yet critical illness insurance was not.