Disability Insurance Learn Center

Long-term and short-term disability insurance information to make sure your paycheck is protected.

Basics

How Does Disability Insurance Work?

Set up a safety net for your paycheck so you get paid even if you can't work.

Best Disability Insurance Companies

The best disability insurance company depends on your job, the cost, and the policy features.

Is Long-term Disability Insurance Worth It?

Learn why long-term disability insurance is the most cost-effective way to protect your income.

Is Short-term Disability Insurance Worth It?

While not enough on its own, short-term insurance can help protect you before longer coverage kicks in.

Cost & Coverage

How Much Does Long-term Disability Insurance Cost?

A long-term disability policy costs 1-3% of your salary, ranging from $25 a month to $500 a month.

Disability Insurance Calculator

Not sure how much your disability insurance will cost? Let our calculator crunch the numbers for you.

Disability Insurance Rates by Age

The earlier you buy disability insurance, the lower your premiums will be, and you lock those in for life.

How Much Disability Insurance Do I Need?

How to ensure you get enough coverage to live off of, factoring in your bills and loan payments.

FAQs

Disability Insurance & Pregnancy

How to ensure your income is protected while you grow your family.

Do You Have to Pay Back a Disability Payout?

You usually won't have to, but there are some cases in which you'd have to pay back your disability benefits.

Disability Insurance with a Pre-existing Condition

Pre-existing conditions don't preclude you from coverage, but the condition itself may be excluded.

Getting Supplemental Disability Insurance

Even if your employer offers disability insurance, a private policy provides even more protection.

Company Reviews

Ameritas

A highly rated insurer offering attractive rates on long-term disability insurance.

Assurity

Offers long-term disability insurance for a host of occupations, including jobs that involve manual labor.

Guardian-Berkshire

One of the nation's largest mutual insurers with one of the strongest disability insurance products.

MassMutual

An insurer that's a great fit for high-income earners looking to earn dividends.

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Yes, we have to include some legalese down here. Policygenius Inc. (DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation, is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.