Compare Disability Insurance Quotes — Protect Your Income

Your income is your most valuable asset. Short-term and long-term disability coverage from top carriers to keep your finances secure if you cannot work.

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Carriers We Work With
MassMutualMassMutual
PrudentialPrudential
GuardianGuardian
AetnaAetna
UnitedHealthcareUnitedHealthcare

What is disability insurance and why does it matter?

Disability insurance replaces a portion of your income if an illness or injury prevents you from working. While most people insure their home, car, and health, many overlook the asset that funds all of those things: their ability to earn an income. Statistics show that more than one in four working adults will experience a disability lasting 90 days or longer before reaching retirement age.

Short-term disability (STD) provides coverage for temporary conditions lasting a few weeks to several months. Long-term disability (LTD) covers extended periods of disability that can last years or until retirement. Critical illness insurance provides a lump-sum payment upon diagnosis of a covered condition like cancer, heart attack, or stroke.

Whether you are employed, self-employed, or a business owner, comparing disability insurance quotes from multiple carriers ensures you get the right coverage amount, elimination period, and benefit duration for your specific income and occupation.

  • Short-term disability (STD) coverage
  • Long-term disability (LTD) to age 65+
  • Critical illness lump-sum coverage
  • Own-occupation definition available
  • Business overhead expense (BOE) policies
  • Supplemental coverage for group plan gaps
  • Coverage for self-employed and 1099 workers
  • Residual and partial disability benefits

Why compare disability insurance quotes?

Policy definitions and benefits vary widely between carriers

Own-occupation coverage

Some policies pay if you cannot perform your specific occupation, while others only pay if you cannot work any job. Own-occupation coverage is significantly more valuable and worth comparing across carriers.

Fill employer gaps

Group disability often replaces only 60% of base salary and is taxable. Individual supplemental coverage can bring your total replacement to 70-80% tax-free, protecting your actual take-home pay.

Self-employed solutions

Individual disability and business overhead expense policies keep your income and business running during recovery. We match self-employed professionals with carriers experienced in non-W2 underwriting.

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Disability Critical Illness Term Life
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How it works

Three steps from question to coverage

1
Select your coverage
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2
Answer a few questions
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3
Get your quotes
A licensed advisor contacts you within minutes with real quotes from top carriers.

Frequently asked questions

Short-term disability covers temporary conditions for 3 to 6 months after a brief waiting period of 0 to 14 days. It covers surgery recovery, injuries, and pregnancy complications. Long-term disability starts after short-term ends, providing income for years or until retirement with a 90 to 180 day elimination period. LTD typically replaces 50-70% of income and is considered the more critical coverage for long-term financial protection.
Employer group policies typically replace only 60% of base salary, exclude bonuses and commissions, and benefits are taxable. Coverage ends when you leave your job and is not portable. Individual supplemental disability insurance fills these gaps with portable, potentially tax-free coverage tailored to your total compensation.
Most policies replace 50-70% of gross income. If you pay premiums with after-tax dollars, benefits are tax-free, effectively increasing the replacement value. Combining group and individual policies can bring total replacement to about 80%. Self-employed individuals can insure their net business income.
The elimination period is the waiting time between disability onset and when benefits begin, functioning like a time-based deductible. Common periods are 30, 60, 90, or 180 days. Shorter periods mean higher premiums. Most people choose 90 days as a balance between cost and exposure. Ensure you have savings or short-term coverage to bridge this gap.
Yes, and it is arguably more important since self-employed income stops immediately when you cannot work. Carriers underwrite based on net business income from tax returns, typically using a two-year average. Business overhead expense (BOE) policies can also cover fixed costs like rent, utilities, and employee salaries during your recovery.

What our disability insurance clients say

KR
Kevin R.
Colorado
★★★★★
"As a self-employed consultant, disability insurance was something I kept putting off. The advisor made the process painless and found me an own-occupation policy that covers my actual income."
AN
Amanda N.
North Carolina
★★★★★
"I had no idea my employer's group plan only covered 60% of my base. The supplemental policy fills the gap perfectly and it's portable if I ever change jobs."