Your perfect disability insurance plan is just aquoteaway.
Your perfect disability insurance plan is just a quote away.
Not sure where to start?
Explore our content to get started on your disability insurance journey.
What is disability insurance?
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 regular installments until you go back to work or until the policy term ends.
How does disability insurance work?
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
What does disability insurance cover?
Disability insurance can cover lots of different injuries and illnesses that can keep you out of work, including anxiety or depression, broken bones from an accident, and more.
What are the different types of disability insurance?
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.
How much disability insurance do youneed?
Use our free calculator to find out.
Learn, compare, and buy with Policygenius
We have everything you need to help you get the right disability insurance for your needs.
The five types of people who should get disability insurance
"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."
Finding your best disability insurance policy
"Learn what to expect when shopping for disability insurance and how occupation, age, health, and other factors can impact your personal rates."
Your guide to disability insurance riders
"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."
Types of disability insurance
"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."
What are elimination periods in 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."
Disability insurance and pre-existing conditions
"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."
How much does long-term disability insurance cost?
"Long-term disability insurance rates normally depend on your income, age, health, benefit period, and coverage level, as well as other factors."
Finished scrolling?
Start saving.
Find the insurance you need and save by shopping from the most trusted insurers.
Get Free Quotes