How can individuals obtain disability insurance?

Individuals can obtain disability insurance through both group policies and individual purchase options, making this the correct answer. Group policies are often provided by employers as part of their employee benefits package, allowing employees to enroll in coverage that typically offers protections for a range of disabilities. This option can also be more affordable since the risk is spread across a group.

On the other hand, individuals can purchase their own disability insurance policies directly from insurance companies or through brokers, which allows for tailored coverage that fits personal needs. This flexibility is crucial as it enables individuals to select terms, coverage amounts, and benefits that align with their specific circumstances.

The other options are more restrictive and do not encompass the full range of ways to acquire disability insurance. For example, suggesting that it can be obtained only through private sector companies limits the possibilities and excludes group options; stating that individuals must apply through government programs ignores the vast availability of private insurance; and suggesting that it is available solely through insurance brokers does not recognize the option for direct purchases from insurance companies.