Disability Top Up A Disability Top-up consists of combining your current group disability insurance with additional coverage from an individual plan. This concept works best in situations where the maximum benefit available under your group long-term disability plan is low in relation to your current income. A Top-up plan helps to ensure that you have the appropriate amount of income replaced in the event of disability. In addition, it is a method of “grouping” individual disability insurance policies which can provide an attractive, cost-effective benefit for employees of a corporation or a non-corporate entity. Medical Plan Top Up A medical top up that enables employees to be comfortable when they retire. Also allows them to buy for their dependants in the event they are not sponsored by the company. This allows them to buy at a special privilege pricing instead.