Helping protect your income if an illness or injury keeps you from working. Compare options, explore disability insurance quotes online, and get support from licensed experts who can help you understand your coverage choices.
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Disability insurance is a form of income protection. If you’re hurt or sick and can’t work, you can file a claim and your disability insurance can pay out in monthly installments until you go back to work or until the policy term ends.
Disability insurance can replace your income if you're too sick or injured to work, paying out regular benefits to cover expenses like rent or mortgage, much like a pay check
Disability insurance may replace income if an injury or illness, including anxiety, depression, or a broken bone, keeps you from working. Coverage, eligibility, and timing depend on the policy’s disability definition, exclusions, and waiting period.
Long-term disability insurance can last anywhere from one year to through retirement age (usually 65 to 67). The longer your benefit period, the more expensive your policy will be.
Like long-term disability insurance, short-term disability insurance can cover up to 60% of your pre-tax income if you can’t work. The difference is that short-term disability coverage usually only lasts for up to a year.
Group disability insurance just describes a policy you get through work or another organization. You may still need your own long-term disability policy.
Use our free calculator to find out.
Disability insurance quotes can vary based on your age, health, income, occupation, benefit amount, waiting period, and policy length. Comparing disability insurance quotes online can help you better understand your options and find coverage that fits your budget and financial goals.
Some insurance carriers may offer different rider options, benefit periods, or underwriting requirements. When comparing a disability insurance quote, it’s important to look beyond price and review:
Monthly benefit amount
Benefit period length
Elimination or waiting period
Definition of disability
Available riders and add-ons
Whether coverage is employer-provided or individual disability insurance
Employer-sponsored disability insurance coverage can be helpful, but some people choose individual disability insurance for additional flexibility and income protection.
Policygenius makes it easier to compare disability insurance quotes from multiple insurance carriers in one place. Licensed experts can also help explain coverage details so you can make a more informed decision.
You may also want to explore related products like life insurance, health insurance, long term care insurance, auto insurance, or an umbrella insurance quote as part of your overall financial protection strategy.
We have everything you need to help you get the right disability insurance for your needs.
"If you have dependents who rely on your income, don’t have a lot in savings, make a lot of money, or work in a specialized or dangerous job, you should have disability insurance."
"Learn what to expect when shopping for disability insurance and how occupation, age, health, and other factors can impact your personal rates."
"You can improve your disability insurance coverage with extra features called “riders.” Some riders come standard as a part of a disability insurance policy, but others can be added for an additional fee."
"There are two main types of personal disability insurance — short term and long term. But there are other kinds of personal disability insurance policies, along with Social Security disability and state disability insurance."
"An elimination period is the amount of time you have to wait between a disabling illness or injury and when you start getting payments from your disability insurance company."
"Pre-existing conditions typically aren’t covered by disability insurance, so if you already have a diagnosed issue when you buy a policy, it will be excluded from coverage."
"Long-term disability insurance rates normally depend on your income, age, health, benefit period, and coverage level, as well as other factors."
Policygenius provides free quotes tailored to your needs with support from licensed agents, helping you get insurance coverage fast so you can get on with life.
Disability insurance may be worth considering for anyone who relies on their income to help pay for housing, bills, debt payments, or family expenses. If a covered illness or injury prevents you from working, disability insurance can help replace a portion of your income during recovery.
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