When does coverage end for a group disability policy if the insured leaves their job?

In the case of a group disability policy, coverage typically ends immediately when the insured leaves their job. This is because group disability insurance is directly tied to the employment status of the individual. As soon as an employee terminates their employment, whether through resignation, termination, or other means, they no longer meet the eligibility requirements for the group plan.

Group policies are designed to provide benefits only to active employees, reflecting the principle that healthcare and disability coverage is often considered a part of an employee's overall compensation. Therefore, without active employment, there is no basis for maintaining coverage under the group policy, making the immediate termination of coverage the standard practice in these circumstances.

In other contexts, such as individual policies or certain types of continuous coverage, different rules may apply, but for group disability insurance, the immediate end of coverage upon leaving a job is consistent with standard industry practices.