Why is my employer paid group long term disability plan so much cheaper than buying an individual policy and what am I giving up by sticking with it
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why is my employer paid group long term disability plan so much cheaper than buying an individual policy and what am I giving up by sticking with it
2 real searches · 1 real-search pass
employer group long term disability insurance vs individual disability insurance own occupation portability benefit cap taxability Department of Labor NAICGoogle ↗
OBSERVEDComparison
IRS employer paid disability insurance premiums benefits taxable employee paid premiums after taxGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
employer group long term disability insurance vs individual disability insurance own occupation portability benefit cap taxability Department of Labor NAIC Google ↗
IRS employer paid disability insurance premiums benefits taxable employee paid premiums after tax Google ↗
- Individuals Versus Group · maine.gov
- Simplifying the Complications of Disability Insurance · content.naic.org
- Life insurance & disability insurance proceeds 1 · irs.gov
- A Workers' Most Valuable Asset · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
employer group long term disability insurance vs individual disability insurance own occupation portability benefit cap taxability Department of Labor NAIC OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
IRS employer paid disability insurance premiums benefits taxable employee paid premiums after tax OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |