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.
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Best Disability Insurance Companies
The best disability insurance company depends on your job, the cost, and the policy features.
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Is Long-term Disability Insurance Worth It?
Learn why long-term disability insurance is the most cost-effective way to protect your income.
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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.
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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.
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Disability Insurance Calculator
Not sure how much your disability insurance will cost? Let our calculator crunch the numbers for you.
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Disability Insurance Rates by Age
The earlier you buy disability insurance, the lower your premiums will be, and you lock those in for life.
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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.
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FAQs
Disability Insurance & Pregnancy
How to ensure your income is protected while you grow your family.
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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.
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Disability Insurance with a Pre-existing Condition
Pre-existing conditions don't preclude you from coverage, but the condition itself may be excluded.
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Getting Supplemental Disability Insurance
Even if your employer offers disability insurance, a private policy provides even more protection.
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Company Reviews
Ameritas
A highly rated insurer offering attractive rates on long-term disability insurance.
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Assurity
Offers long-term disability insurance for a host of occupations, including jobs that involve manual labor.
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Guardian-Berkshire
One of the nation's largest mutual insurers with one of the strongest disability insurance products.
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MassMutual
An insurer that's a great fit for high-income earners looking to earn dividends.
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