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Our underwriting experts will match you with the right insurance company and ensure you get the best possible price on your policy. Got offered a lower price elsewhere? Let us try to beat it.

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Our underwriting experts will match you with the right insurance company and ensure you get the best possible price on your policy. Got offered a lower price elsewhere? Let us try to beat it.

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Types of disability insurance

How we’ve helped American families

$75 Billion

in coverage

30+ Million

shoppers helped

5 Star

rating on Trustpilot

Who needs disability insurance?

An unexpected disability can happen to anyone. Accidents happen on and off the job, and even the healthiest people fall ill. Because of this, it’s critical that anyone who would not be able to maintain their standard of living if they lost their income gets disability insurance. However, even those with substantial savings should consider buying a policy.


According to Policygenius data, the average length of a disability for someone in their 30s is 32 months — that’s almost three years of lost wages. For people in their 40s, that number jumps to 42 months. Getting a disability insurance policy ensures that you don’t have to deplete your savings or endure financial devastation due to a temporary disability, protecting your present and future financial stability.

How to buy disability insurance

How much does disability insurance cost?

Choosing the best disability insurance company

Millions of people have shopped with Policygenius—and they liked it.

Frequently asked questions

Q

How do I get disability insurance?

A

You can get disability insurance by shopping around with an independent broker like Policygenius. Policygenius agents will work with you for free to find the most affordable disability insurance policy for your situation.

Q

Is disability insurance worth getting?

A

Yes. Disability insurance is worth getting because it replaces your income if you become disabled and cannot work. Without this safeguard, you may be unable to maintain your standard of living.

Q

Who needs disability insurance?

A

Anyone who relies on their income to live should get disability insurance. Even those with significant savings should have a policy so that they don’t end up depleting their savings.

Q

What are the two types of disability insurance?

A

The two types of disability insurance are short-term disability insurance and long-term disability insurance. Short-term disability is often an employer-sponsored plan that only pays out benefits for a limited period of time. Long-term disability plans pay out benefits for disabilities that last years.