What action should an employee take if their group disability insurance is eliminated?

When an employee's group disability insurance is eliminated, converting to an individual policy is an appropriate action to maintain coverage. Group disability insurance is often part of an employee benefit package, and when it is no longer offered, individuals may find themselves without any disability coverage. Converting to an individual policy allows them to secure insurance tailored to their needs, ensuring continued financial protection in case of a disabling event.

This option provides a proactive approach to managing personal risk by securing an insurance plan that can help cover lost income due to disabilities. Individual policies often have different terms and conditions, but they ensure that the individual has a safety net in place.

Other actions like seeking new employment immediately may not be feasible or necessary since the loss of benefits does not always correlate directly with the need for a job change. Filing a complaint with the insurance commissioner would typically only be relevant in cases of fraud or mishandling rather than just the elimination of a policy. Waiting for the company to reinstate the policy is also not practical, as there is no guarantee that the employer will reinstate the coverage. Thus, converting to an individual policy is the most logical and responsible step for the employee to take.