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.
A direct democracy is when citizens participate in making political decisions. A representative democracy is when the citizens hold the sovereign power but, political power is exercised indirectly through elected representatives.
Therapist Daniel Levinson built up a thorough hypothesis of grown-up advancement, alluded to as the Seasons of Life hypothesis, which distinguished stages and development that happen well into the grown-up years. His hypothesis is contained succession like stages.