Ameritas Disability Insurance Review

Ameritas is a highly rated insurer offering attractive rates on long-term disability insurance. While their customer service operations may be slightly slower than some, the wait is worth it for top-quality products.

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A.M. Best ratingA
BBB ratingA+
Company info“Union Central/Ameritas associates are committed to striving for personal excellence. We recognize that our diversity as individuals enables growth and strength as a team. We believe that we can make a difference by portraying a positive attitude and approaching our business activities with a focus on these Union Central/Ameritas values.”


Evaluation4.5/5 - Ameritas is an old institution but a newer entrant to disability insurance, offering a comparably strong contract for lower rates. Their operations are a bit slow, but the product is worth the wait.
Application process5/5
Customer service3/5 - Typically slower-than-average turnaround.

Base Policy Details*

Product nameDInamic Foundation
Elimination period30 days, 60 days, 90 days, 180 days, 365 days, 730 days, subject to benefit period
Benefit period2 year, 5 year, 10 year, Age 65, Age 67, Age 70
Definition of disabilityOwn Occupation, Not working; True Own Occupation available as add on
GuaranteeGuaranteed Renewable; Non-Cancelable via add on
Partial/residual disabilityBuilt-in or added via rider

Built-in Features*

Non-disabling InjuryReimburses some medical or dental expenses for injuries that are not disabling.
Good Health BenefitReduces the elimination period by two days every year you own the policy and don't file a claim.
Presumptive Total DisabilityPresumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.
COBRA Premium BenefitsIf you become unemployed due to disability, company will reimburse you for COBRA medical premiums.
Automatic IncreaseAutomatic 4% increase in benefit for the first five years you own the policy with no underwriting.
Waiver of PremiumNo more premium payments are required once claim is approved.
Surgical TransplantElective transplant surgery qualifies as a sickness after six months of policy ownership.
Cosmetic DisabilityIf you become disabled as a result of elective cosmetic surgery, benefit is paid.
Survivor BenefitIf you die while on claim, three additional months will be paid to your beneficiary(ies).

Additional Riders Available*

Cost of Living AdjustmentIncreases the monthly benefit while on claim, based on Consumer Price Index (3% max).
Future Increase OptionLets you increase the coverage on an annual basis, up to age 55, with no medical underwriting.
Catastrophic Disability BenefitAn additional monthly benefit is paid if you cannot perform two or more Activities of Daily Living.
Enhanced Residual Disability/Basic Residual DisabilityPays a benefit if you are still working in your job, but lose income due to injury or illness.
Social Insurance SubstitutePart of the monthly benefit could be reduced if you qualify for social security disability.

*Subject to availability based on individual applicant’s personal profile.