There are notable difference between these type of persons found in different organizations.
Managers accept and follow through laid down processes at work place and try to control the environment. Sometimes, when issues arise at work, they quickly move to resolve them and they may not have the right information regarding the problem at hand.
Leaders differ because when chaotic situations arise, they can bear them in good faith and take their time to understand issues at hand before seeking every options for resolution.
That doesn't give much info but with the info, you stated I would say individual because if it's disability insurance it being individual would maybe mean they can cover more costs than a group could.
