Best Disability Insurance of 2024
Accidents happen to everyone. Should you be unable to perform the functions of your job due to injury or sickness, a disability insurance policy pays some of or all your salary while you are laid up. We compare the best disability insurance carriers in the country today.
Last Updated: March 13, 2024
State: Ohio
Our #1 Choice
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- Quotes from the top disability carriers to ensure you find the best rates
- Helps thousands of consumers apply for disability insurance each year
- Rated Excellent on TrustPilot
- Benefit terms range from 3 months to age 67
- Choose your waiting period
- Multiple riders add flexibility to your policy
- Benefit periods from as little as 2 years or all the way to retirement age
- Family care benefit provides coverage for up to a year if policyholder has to take off work to care for a child, spouse, or parent
- 10% discount to business owners and an additional 10% to preferred occupational classes.
- Offers the option of Full Coverage for Mental/Nervous disabilities or a 10% discount for a 2 year limitation.
- Rated A (Excellent) by A.M. Best for financial strength
- Provides up to $30,000 per month in coverage if you become disabled and can’t work
- Offers multiple types of disability insurance coverage including business overhead expense and key man coverage
- Up to 10,000month of coverage without a medical or financial documentation.
- Benefit periods from as little as 2 years or all the way to retirement age
- Rated A+ (Superior) by A.M. Best for financial strength
- Provides up to $30,000 per month in coverage if you become disabled and can’t work
- Benefit periods from as little as 2 years or all the way to retirement age
- Good health benefit reduces the elimination period each year that the policyholder doesn’t file a claim
- Non disabling injury benefit will help pay up to $3,000 for out of pocket expenses after an injury
- Rated A (Excellent) by A.M. Best for financial strength
- Specializes in disability coverage for white collar occupations
- Provides benefit periods that last 2, 5, or 10 years, or up to retirement age
- Spousal coverage program provides disability coverage up to $2,500 each month for stay-at-home spouses
- Highest financial strength rating from A.M. Best at A++ (Superior)
- Provides both short and long term disability insurance
- Those looking for coverage above $5,000 have to take a medical exam
- Provides online applications for those looking for a digital experience
- Only carrier that offers coverage for firefighters and police officers
- Offers a Graded Benefit for those with health conditions
- Rated A- by A.M. Best, lower than many disability insurance alternatives
- Up to $30,000 per month in coverage and $35,000 if combined with other coverage
- Provides competitive rates for higher income occupations including software engineers, attorneys, and executives
- Offers policyholders multiple opportunities to increase coverage in the future without any medical exam
- Has paid over $300million in dividends to policyholders from 2004 to 2020
- Rated A++ (Superior) by A.M. Best for financial strength
- Competitive rates for many blue-collar workers including construction workers and other trades
- Benefit periods from as little as 6 months or all the way to retirement age
- Cash Value Rider option that allows a percentage of the premiums to be reimbursed should the client become deceased or cancel the policy
- Return of premium rider allows the client to have premiums refunded if the policy isn’t used
- Rated A+ (Superior) by A.M. Best for financial strength
- Excellent 9.8 out of 10 Trustpilot rating
- Fast online application takes 5 minutes
- Find quotes from top insurance companies
- Multiple benefit options to fit your budget
- Guaranteed Non-Cancelable, Own Occupation, and Residual Disability riders available
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Our Partner
- Quotes from the top disability carriers to ensure you find the best rates
- Helps thousands of consumers apply for disability insurance each year
- Rated Excellent on TrustPilot
- Benefit terms range from 3 months to age 67
- Choose your waiting period
- Multiple riders add flexibility to your policy