Compare quotes and get disability insurance right

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Disability Insurance Simplified

How it works

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  • Calculate

    Find the right amount of coverage with our disability insurance calculator.

  • Get a quote

    Get an online estimate in minutes, and request a full proposal from our licensed experts.

  • Apply

    Apply online and have access to our expert team every step of the way.

$60 Billion

and counting...

Our track record

We’ve placed billions of dollars in coverage.

From coast to coast, we’ve helped over 30 million people shop for insurance, and protected our customers with over $60 billion in coverage.

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Millions of people helped

And they actually enjoyed it.

"Awesome service! Great communication, easy to navigate website, even better pricing. Very happy"

- Brett De

"Makes the process of getting life insurance painless and easy to understand."

- Thomas Goklish

"Set expectations properly. Simple and proficient process. Professional people. Great follow-up."

- Peter Tobasco

"Great experience with great team. Thank you for your help to get my life insurance quick and easy."

- Maja. S


Let's get you some disability insurance.

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Find the right amount of coverage. No more, no less.

Our coverage calculator takes you step-by-step to figure out the coverage options of a long-term disability policy that are most important for you.

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Get a quote

All the quotes. None of the confusion.

We’ve made shopping for disability insurance easy. Our licensed experts and CFPs manage the application process to get you the best coverage - free of charge.

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Easy online application, deep discounts.

Our simple dashboard lets you instantly check the progress of your application. Applying with a group could save you up to 25%.

Let's get you some disability insurance.

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Real human help

We make our livelihood protecting yours.

Our licensed advisors deal with the insurer so you don’t have to. No AI bots, no robocalls, no salespeople. Just expert, one-on-one help from start to finish.

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The Policygenius promise

We promise to help you get the best protection for your situation.

How we keep our promise


Widest choice of A-rated disability insurers means we can find a policy that meets your unique situation


Experience finding coverage for people with complex medical histories


We'll shop your offer around if the price changes after underwriting is complete

So, what's in it for us?

Our service is free. So how do we make money?

Like traditional brokers, we make money when we help people find a policy. Prices are regulated by the state so whether you buy from us or the insurance company, you pay the exact same price for a given policy. Our reputation is important so we'll always find the policy that's best for you.

Understanding long-term disability insurance.

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What is long-term disabiliy insurance?

Long-term disability insurance is essentially insurance for your income. If you become sick or injured, you may be forced to miss work. Health insurance will only cover the cost of some of your medical procedures and recovery, but can’t help pay other bills. If you’re unable to work and can’t receive a paycheck, you run the risk of missing payments on your mortgage, utilities, or other bills.

There are several things to consider when deciding on which is the best long-term disability insurance policy for you. Some important terms to know are:

  • Coverage amount – The amount of money your insurer will pay to you. It is recognized as a percentage of your gross income. A typical benefit amount is 60% of your gross income. Also known as the participation rate.
  • Waiting period – How long after you become disabled before you will begin receiving benefits. Typical waiting periods are 30, 60, 90, 180, or 365 days. We recommend waiting a period of 90 days for the most cost-effective policies. Also known as the elimination period.
  • Benefit period – The amount of time you will receive benefits. Typically benefit periods are two years, five years, ten years, or until your retirement. Because the average disability lasts around three years, we recommend at least a policy with a five-year benefit period. A benefit period that extends to age 65 offers full protection and is the most common policy.
  • Non-cancelable – A policy that is non-cancelable means that the insurer can never legally change the terms of the policy, including the premium.
  • Own occupation – An own occupation policy will continue to pay out if you can’t work in your designated job, even if you are able to work elsewhere in another capacity.
  • Exclusions – Exclusions limit what will be covered by a long-term disability policy. These are often pre-existing health conditions (for example, a policy may exclude certain pre-existing back ailments) but may also include potentially risky hobbies like skydiving.

The difference between short-term and long-term disability insurance.

While researching long-term disability insurance, you may have come across short-term disability insurance. What’s the difference between short-term and long-term disability insurance?

The main difference between the two products is how long they last. Short-term disability insurance lasts for a shorter period of time, usually starting at a few months and no longer than a year. Your long-term disability insurance will not begin until any short-term disability benefits have been exhausted. Long-term disability insurance, on the other hand, can last until your retirement.

Private Short-term disability insurance policies are available, but short-term disability insurance is usually only cost effect through an employer.

Other alternatives to short-term and long-term disability insurance are Social Security disability insurance (SSDI), self-funding via an emergency fund, workers comp, or relying on friends and family for financial support. However, these are imperfect options that may not be feasible for covering the cost of a multi-year disability; for example, Social Security disability insurance is difficult to qualify for and may be limited compared to your coverage needs.

How much does long-term disability insurance cost?

Average long-term disability insurance rates cost between 1-3% of your annual salary, but the exact cost will depend on a number of factors about the applicant and the policy chosen.

Applicant factors:

  • Age – The older you are, the more expensive your policy.
  • Gender – Women make more disability claims and therefore pay more for policies.
  • Smoking history – Smokers or recent smokers will have more expensive policies.
  • State of residence – Residents of states with a higher number of disability claims will pay more for policies.
  • Occupation class – Depending on elements of your job (including manual duties, travel, and more) you may be classified as having a “riskier” occupation and pay more for your policy.

Policy factors:

  • Coverage amount – Higher coverage amounts result in higher premiums.
  • Benefit period – Longer benefit periods result in higher premiums. The most cost-effective benefit period is five years, but full coverage extends to age 65.
  • Waiting period – Longer waiting periods result in lower premiums. The most cost-effective waiting period is 90 days.
  • Built-in policy features – Some features like own occupation coverage may come standard in policies from some carriers and may affect the cost of the policy.
  • Riders – Additional feature that don’t come standard may raise the cost of the policy.

Best disability insurance companies

CompanyBBB RatingA.M. Best Rating
Fidelity SecurityA+A-
Illinois MutualA+B++
Mutual of OmahaA+A+
Northwestern MutualA+A++
Ohio NationalA+A+
Petersen InternationalB-A
Principal Financial Group A+A+
State FarmB-A++
The StandardA+A

Most disabilities are caused by illness rather than injury, which means that disability insurance can provide a financial safety net for everyone. But what is the best disability insurance company for you? It largely depends on the policy cost and features that work for your individual situation. However, some insurance companies are best for certain professions, offering the best prices or most flexible options. Learn more about the best disability insurance companies for your profession:

The reviews are in.

The top questions people ask us.

How does Policygenius make money?



As the independent broker, we help you apply for the right disability insurance policy and manage the underwriting process through approval. If you accept and pay for the approved policy, the insurance company pays us a commission. Commissions are already priced into the cost of disability insurance - so you're not paying any extra to work with us (or any disability insurance agent or broker). Our commissions are similar across the disability insurers we work with, so we don't favor one company over another in the recommendations to you.

Are the disability quotes that Policygenius provides accurate?



They are as accurate as disability insurance quotes can get, based on the accuracy and completeness of information provided. Pricing disability insurance is complicated - as it depends on the applicant's health history and occupational details. Quotes are an estimate and the final rate is determined by the insurance company through a process called underwriting (which is the process of reviewing all the applicant's detailed information and assigning a risk class and rate). If the final rate comes back higher after underwriting, our experts can work with you to modify the coverage to fit within your budget.

Shouldn't I buy directly from a disability insurance company?



There's no discount or price difference when you buy directly from a disability insurance company. By law, the price you get from a given disability insurance company is the same through them, or through an agent or broker.

Also, the rate you get quoted initially may not be the rate you're approved at, after the underwriting process (in which the insurer reviews your medical history and occupational details). If you apply with the disability insurance company directly, and you're approved at a different rate, you're stuck with that offer. They won't help you figure out if you can get a better offer from a different disability insurance company. If you apply through Policygenius, we can review that offer to see if another disability insurance company we work with can provide a better alternative. That's the advantage of working with an independent broker: extra service for no extra cost.

At square one?

Getting started with disability insurance.


Disability Insurance Basics

What it is, how it works and what you need to know.

Read more

Shopping Advice

How to compare policies and pick the right one for you.

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Who Needs It?

Discover who should have disability insurance and why.

Read more

Read the latest articles from Policygenius Magazine.


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