Best Disability Insurance Companies Of 2024

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.menu-item:first-child{display:none}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{background:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23fff' height='12' width='20' viewBox='0 0 20 20'%3E%3Cpath d='M16.928 12h-16v-2h16z'/%3E%3Cpath d='m18.493 11.044-5.657 5.657-1.414-1.414 5.656-5.657z'/%3E%3Cpath d='M17.078 12.372 11.42 6.715 12.835 5.3l5.657 5.657z'/%3E%3C/svg%3E") 100% no-repeat;font-weight:600;padding-right:25px}#custom-header-wrapper .header__nav .menu .menu-item:not(.hideSubMenu):hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap:before{width:100%}#custom-header-wrapper .amp-ui .header__search{display:none}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{align-items:center;cursor:pointer;display:flex;height:100%;margin:-2px 16px 0 auto;width:20px}#custom-header-wrapper .header__search span,#custom-header-wrapper .header__share span{display:inline-block;height:22px}#custom-header-wrapper .header__search svg,#custom-header-wrapper .header__share svg{fill:#fff;color:#fff;height:20px;width:20px}#custom-header-wrapper .header__share svg{fill:transparent}#custom-header-wrapper .header__indicator{background-color:#ffcfa4;bottom:0;height:2px;left:0;position:absolute;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{display:none}#custom-header-wrapper header li.current-menu-item a{color:#ff891f}#custom-header-wrapper .menu-toggle .close{display:none}#custom-header-wrapper .menu-toggle.on .close{display:block}#custom-header-wrapper .header__nav,#custom-header-wrapper .header__search,#custom-header-wrapper .menu-toggle.on .open{display:none}#custom-header-wrapper .share-modal{display:none;height:100%;position:fixed;top:0;width:100%;z-index:99999}#custom-header-wrapper .share-modal-overlay{background:#000;display:none;height:100%;opacity:.8;position:fixed;top:0;width:100%;z-index:9999}#custom-header-wrapper .share-modal--open{display:block}#custom-header-wrapper .share-text{color:#fff;font-size:18px;margin:12px 0 20px;padding-left:32px;text-transform:uppercase}#custom-header-wrapper .menu-toggle{cursor:pointer;display:block;left:0;margin-left:23px;overflow:hidden;padding:13px 0;position:absolute;top:0}#custom-header-wrapper .menu-toggle .menu-toggle-wrap{fill:#fff;height:24px;width:20px}#custom-header-wrapper .header-us{height:50px}@media only screen and (max-width:1600px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 20px}#custom-header-wrapper .header__nav .sub-menu{max-width:930px}}@media only screen and (max-width:1400px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 16px}}@media only screen and (max-width:1280px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 8px}#custom-header-wrapper .header__nav .sub-menu{max-width:692px}}#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-5px}#custom-header-wrapper .site-wrapper.sticky{padding-top:48px}#custom-header-wrapper .header__nav{background-color:#181716;display:none;height:90vh;left:0;position:absolute;top:48px;z-index:9999}#custom-header-wrapper .header__nav.active{display:block}#custom-header-wrapper .header__nav .menu{align-items:flex-start;flex-direction:column;height:auto;justify-content:space-between}#custom-header-wrapper .header__nav .menu>li.menu-item{min-height:40px;overflow:hidden;padding:9px 25px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{border:none;box-shadow:inset -1px 0 0 0 #333;color:#cdc1b2;display:none;height:calc(100% - 35px);left:31%;position:absolute;top:10px;transition:none;width:2px;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#181716;box-shadow:none;color:#fcfcfc;font-size:13px;height:85vh;left:auto;padding:0 0 0 25px;position:absolute;right:0;top:10px;width:69%;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{display:inline-block;flex-shrink:0;height:40px;margin-right:0;padding:0;width:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{color:#fcfcfc;font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (max-width:768px){#custom-header-wrapper .header__nav{height:100vh;height:calc(var(--vh, 1vh)*100)}#custom-header-wrapper .header__nav .sub-menu-wrap{height:100vh;height:calc(var(--vh, 1vh)*100);padding:0 32px;top:11px;width:50%}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{left:50%;top:11px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{font-weight:600;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:0}}@media only screen and (max-width:767px){#custom-header-wrapper .menu-toggle{margin-left:20px}#custom-header-wrapper .header__logo svg{width:auto}}@media only screen and (max-width:480px){#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__logo{margin-top:-5px}#custom-header-wrapper .header__indicator{display:block;height:1px;opacity:.15;z-index:9999}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-3px}#custom-header-wrapper .header__nav.active{position:fixed}#custom-header-wrapper .header__nav .menu{display:block;height:100vh;height:calc(var(--vh, 1vh)*100);overflow-y:scroll}#custom-header-wrapper .header__nav .menu>li.menu-item{align-items:flex-start;border-left:none!important;flex-direction:column;height:auto;min-height:38px;padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:none}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;border-left:4px solid;display:none;height:auto;left:0;margin-top:20px;padding:25px;position:relative;right:unset;top:0;width:calc(100% + 50px)}#custom-header-wrapper .header__nav .sub-menu .menu-item{display:block;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:1px}#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{margin-bottom:10px}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{display:block}#custom-header-wrapper .header__nav .menu>li.menu-item>a{display:block;font-size:16px;padding:10px 25px 0;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{margin-bottom:150px}}@media only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100);width:100%}@media (min-width:1065px){#custom-header-wrapper .header__nav{left:-251px;transition:all .5s;width:251px}#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{background:#222424;bottom:50px;font-family:EuclidCircularB,sans-serif;font-size:12px;font-weight:700;padding:0 30px;position:absolute;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{align-items:center;color:#7d7d7d;cursor:pointer;display:flex;margin:22px 0 32px;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{-ms-overflow-style:none;max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{display:block;padding:30px 40px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#222424;border:none;display:block;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-left:1px solid #7f7f7f;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px);right:-320px;top:0;transition:none;visibility:hidden;width:320px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#626262;display:block;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:35px 31px 10px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:30px 45px 30px 30px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:35px;top:30px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:37px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:40px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{background:#181716;display:block;font-family:EuclidCircularB,sans-serif;font-size:15px;font-weight:400;padding:24px 32px}#custom-header-wrapper .region-selector-mobile{background-color:rgba(0,0,0,.4);overflow-y:auto;top:0;z-index:999999}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap{border-radius:5px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%)}@media screen and (min-width:640px) and (max-width:768px){#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .mob-region-sel-holder{margin-bottom:20px;margin-top:175px}}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .radio-outer{align-items:center;border:2px solid #395bb6;border-radius:50%;display:flex;height:20px;justify-content:center;width:20px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active .radio-inner{background:#395bb6;border-radius:50%;height:10px;width:10px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active span{font-weight:600}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper .font-euclidcircularb-regular{font-family:EuclidCircularB,sans-serif;font-weight:400}#custom-header-wrapper .font-bold{font-weight:700}#custom-header-wrapper .mt-6{margin-top:1.5rem}#custom-header-wrapper .mt-24px{margin-top:24px}#custom-header-wrapper .w-24px{width:24px}#custom-header-wrapper .h-16px{height:16px}#custom-header-wrapper .mr-26px{margin-right:26px}#custom-header-wrapper .w-6{width:1.5rem}#custom-header-wrapper .h-4{height:1rem}#custom-header-wrapper .mr-15px{margin-right:15px}#custom-header-wrapper .pos-r{position:relative}#custom-header-wrapper .ml-auto,#custom-header-wrapper .mx-auto{margin-left:auto!important}#custom-header-wrapper .mr-auto,#custom-header-wrapper .mx-auto{margin-right:auto!important}#custom-header-wrapper .text-18px{font-size:18px}#custom-header-wrapper .text-white{color:#fff}#custom-header-wrapper .ml-6px{margin-left:6px}#custom-header-wrapper .mt-10px{margin-top:10px}#custom-header-wrapper .mt-3{margin-top:.75rem}@media screen and (min-width:768px){#custom-header-wrapper .md-mt-3{margin-top:.75rem}#custom-header-wrapper .md-text-20px{font-size:20px}}#custom-header-wrapper 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class="breadcrumbs-item-link" href="https://www.forbes.com/advisor/" data-mktp-link='{"clickText":"advisor","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/","clickType":"internal"}'> advisor </a> </li> <li class="breadcrumbs-item"> <a class="breadcrumbs-item-link" href="https://www.forbes.com/advisor/health-insurance/" data-mktp-link='{"clickText":"Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/","clickType":"internal"}'> Health Insurance </a> </li> <li class="breadcrumbs-item"> <span class="breadcrumbs-item"> Best Disability Insurance Companies </span> </li> </ul><style> .mobile-ui .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .mobile-ui .author__article-date.mobile { display: block; margin-top: 0; } .mobile-ui .mobile-editorialview .article__page--disclosure { margin-top: 0; } @media all and (min-width:599px) { .author__article-date.mobile { display: none; } .mobile-editorialview { float: right; } } @media all and (max-width: 598px) { .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .author__article-date.mobile { display: block; margin-top: 0; } .mobile-editorialview .article__page--disclosure { margin-top: 0; } } @media all and (max-width: 340px) { .mobile-editorialview{ display:block!important; } } </style> <div class="mobile-editorialview" data-mktp-container='{"componentTitle":"","componentType":"Advertiser Disclosure"}'> <span id="advertiser-disclosure" class="article__page--disclosure" data-mktp-misc-click='{"clickText":"Advertiser Disclosure","clickType":"Tooltip","referenceText":""}'>Advertiser Disclosure</span> <span class="author__article-date mobile"> Updated: May 31, 2024, 11:41am </span> </div> </div> <h1 class="farticle-title">Best Disability Insurance Companies Of 2024</h1> <div class="main-wrapper show-right-rail"> <div class="article-wrapper 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.author_right_container .badge-wrapper{margin-top:0}}@media screen and (min-width:821px) and (min-width:821px){.author-wrap.total_author_2 .author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:210px}}@media screen and (min-width:821px) and (min-width:1024px){.author-wrap.total_author_2 .author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:240px}}#authorBylineModalContainer,.hover-bio-wrapper{display:none} </style><div class="author-wrap total_author_2"><div class="authors-container"><div class="author_container primary-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/lmasterson/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/lmasterson/" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}' target="_blank">Les Masterson </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Deputy Editor, Insurance </div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/mmegna/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg" alt="Michelle Megna" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg' alt='Michelle Megna' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a><span class="author-role">Lead Editor, Insurance</span></div></div><div class="middle-content">Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/michelle-megna-507b65/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/michelle-megna-507b65\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg' alt='Michelle Megna' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a><span class="author-role">Lead Editor, Insurance</span></div></div><div class="middle-content">Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/michelle-megna-507b65/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/michelle-megna-507b65\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/mmegna/" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Michelle Megna</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg' alt='Michelle Megna' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a><span class="author-role">Lead Editor, Insurance</span></div></div><div class="middle-content">Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/michelle-megna-507b65/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/michelle-megna-507b65\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg' alt='Michelle Megna' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a><span class="author-role">Lead Editor, Insurance</span></div></div><div class="middle-content">Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/michelle-megna-507b65/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/michelle-megna-507b65\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><span class="designation"><span class="badge-wrapper"><svg class="badge-icon-svg" width="17" height="17" viewBox="0 0 17 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M15.5372 8.50019C15.5372 12.3866 12.3866 15.5372 8.50019 15.5372C4.61377 15.5372 1.4632 12.3866 1.4632 8.50019C1.4632 4.61377 4.61377 1.4632 8.50019 1.4632C12.3866 1.4632 15.5372 4.61377 15.5372 8.50019Z" fill="#4657A1" stroke="white" stroke-width="0.708629" stroke-linecap="square"/><path d="M7.39111 7.39136H11.5255C12.0231 7.39136 12.3629 7.89462 12.1769 8.35616L11.2533 10.6478C11.1462 10.9135 10.8884 11.0875 10.6019 11.0875H7.39111V7.39136Z" fill="white"/><path d="M8.52948 5.26271C8.5741 5.06519 8.77043 4.94126 8.96796 4.98591C9.65932 5.14215 10.0931 5.82926 9.9369 6.52062L9.44575 8.69376L7.39111 7.39161C7.8426 7.21342 8.17673 6.82355 8.28373 6.35015L8.52948 5.26271Z" fill="white"/><path d="M6.60298 7.39136H5.22309C4.99174 7.39136 4.8042 7.5789 4.8042 7.81025V10.6686C4.8042 10.8999 4.99174 11.0875 5.22309 11.0875H6.60298C6.83433 11.0875 7.02188 10.8999 7.02188 10.6686V7.81025C7.02188 7.5789 6.83433 7.39136 6.60298 7.39136Z" fill="white"/></svg><p class="badge-text">Reviewed</p></span><span class="badge-pipe">|</span>Lead Editor, Insurance </span></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"><p class="article-date">Updated: May 31, 2024, 11:41am</p></div> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>A disability might be the last thing you’re worried about when it comes to insurance coverage, but 20-year-old workers have a 25% chance of developing a disability before they reach retirement age, according to the Social Security Administration.</p> <p>Disability insurance is one option that can help financially if you become disabled and either can’t work or can’t work at the same level as before. We analyzed individual disability insurance policies to find the best disability insurance companies.</p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header .eat-forbes-icon{flex-shrink:0;margin-top:2px}@media (min-width:768px){.eat-widget-container .eat-header .eat-forbes-icon{margin-top:1px}}.eat-widget-container 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trust Forbes Advisor </p> </p></div> </p></div> <div style="display: none"> <div class="eat-wrapper right-section-enabled left-section-enabled"> <div class="left-section"> <p>Our editors are committed to bringing you unbiased ratings and information. 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You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies" target="_blank" rel="noopener">editorial guidelines</a> and the <a href="https://www.forbes.com/advisor/health-insurance/best-disability-insurance-companies/#methodology_section">methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>9 long-term individual disability insurance policies evaluated</li> <li>108 coverage details analyzed</li> <li>96 years of insurance experience on the editorial team</li> </ul></div> </p></div> </p></div> </p></div> </p></div> </div> <div class="mob-fade"> <span>Read more</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> </div> <div class="test-wrapper toc-enabled-section"> <style id="style_1_toc-sticky-style">.toc-sticky-wrap .mobile-accordion-wrapper{background:#fcfcfc;border:1px solid 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data-mktp-misc-click='{"clickText":"Mutual of Omaha","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Mutual of Omaha</a> </li> <li class="toc-product-item toc-item"> <a href="#massmutual" class="jump-to" data-mktp-misc-click='{"clickText":"MassMutual","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >MassMutual</a> </li> <li class="toc-product-item toc-item"> <a href="#ameritas" class="jump-to" data-mktp-misc-click='{"clickText":"Ameritas","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Ameritas</a> </li> <li class="toc-product-item toc-item"> <a href="#assurity" class="jump-to" data-mktp-misc-click='{"clickText":"Assurity","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Assurity</a> </li> <li class="toc-product-item toc-item"> <a href="#principal" class="jump-to" data-mktp-misc-click='{"clickText":"Principal","clickType":"Jump Link","referenceText":"Our Expert Picks"}' >Principal</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="toc-content-test"> <div class="toc-content-wrapper"> <div class="toc-accordion mob-d-none " data-mktp-misc-click='{"clickText":"Table of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-content-list-wrapper toc-toggle"> <div class="content-accordion mob-d-block">Table of Contents</div> <div class="toc-products-wrapper"> <ul class="toc-content-list "> <li class="toc-content-item toc-item"> <a href="#compare_health_insurance_plans_section" class="jump-to" data-mktp-misc-click='{"clickText":"Compare Health Insurance Plans","clickType":"Jump Link","referenceText":"Table of Contents"}' >Compare Health Insurance Plans</a> </li> <li class="toc-content-item toc-item"> <a href="#summary_section" class="jump-to" data-mktp-misc-click='{"clickText":"Summary ","clickType":"Jump Link","referenceText":"Table of Contents"}' >Summary </a> </li> <li class="toc-content-item toc-item"> <a href="#what_is_disability_insurance_and_how_does_it_work_section" class="jump-to" data-mktp-misc-click='{"clickText":"What Is Disability Insurance And How Does It Work?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Is Disability Insurance And How Does It Work?</a> </li> <li class="toc-content-item toc-item"> <a href="#types_of_disability_insurance_section" class="jump-to" data-mktp-misc-click='{"clickText":"Types of Disability Insurance","clickType":"Jump Link","referenceText":"Table of Contents"}' >Types of Disability Insurance</a> </li> <li class="toc-content-item toc-item"> <a href="#how_to_get_disability_insurance_section" class="jump-to" data-mktp-misc-click='{"clickText":"How to Get Disability Insurance","clickType":"Jump Link","referenceText":"Table of Contents"}' >How to Get Disability Insurance</a> </li> <li class="toc-content-item toc-item"> <a href="#what_does_disability_insurance_cover_section" class="jump-to" data-mktp-misc-click='{"clickText":"What Does Disability Insurance Cover?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Does Disability Insurance Cover?</a> </li> <li class="toc-content-item toc-item"> <a href="#what_does_disability_insurance_not_cover_section" class="jump-to" data-mktp-misc-click='{"clickText":"What Does Disability Insurance Not Cover?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Does Disability Insurance Not Cover?</a> </li> <li class="toc-content-item toc-item"> <a href="#how_much_does_disability_insurance_cost_section" class="jump-to" data-mktp-misc-click='{"clickText":"How Much Does Disability Insurance Cost?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Much Does Disability Insurance Cost?</a> </li> <li class="toc-content-item toc-item"> <a href="#methodology_section" class="jump-to" data-mktp-misc-click='{"clickText":"Methodology","clickType":"Jump Link","referenceText":"Table of Contents"}' >Methodology</a> </li> <li class="toc-content-item toc-item"> <a href="#disability_insurance_frequently_asked_questions_faqs_section" class="jump-to" data-mktp-misc-click='{"clickText":"Disability Insurance Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":"Table of Contents"}' >Disability Insurance Frequently Asked Questions (FAQs)</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> </div> <div class="toc-rr-wrapper"> <div class="toc-accordion mob-d-none" data-mktp-misc-click='{"clickText":"Find The Best Health Insurance","clickType":"Accordion","referenceText":""}' > Find The Best Health Insurance </div> <div class="toc-rr-content toc-toggle"> <div class="rr-content-accordion mob-d-block">Find The Best Health Insurance</div> <div class="toc-products-wrapper"> <ul class="toc-rr-item-wrapper"> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/" class="jump-to" data-mktp-link='{"clickText":"Best Affordable Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-affordable-health-insurance\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Affordable Health Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/dental-insurance/best-dental-insurance-companies/" class="jump-to" data-mktp-link='{"clickText":"Best Dental Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/dental-insurance\/best-dental-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Dental Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-disability-insurance-companies/" class="jump-to" data-mktp-link='{"clickText":"Best Disability Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-disability-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Disability Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/" class="jump-to" data-mktp-link='{"clickText":"Best Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Health Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-short-term-health-insurance/" class="jump-to" data-mktp-link='{"clickText":"Best Short-Term Health Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-short-term-health-insurance\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Short-Term Health Insurance</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/health-insurance/best-vision-insurance-companies/" class="jump-to" data-mktp-link='{"clickText":"Best Vision Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-vision-insurance-companies\/","clickType":"internal","referenceText":"Find The Best Health Insurance"}' >Best Vision Insurance</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="mobile-bottom-gradient "></div> </div> </div> </div> <div class="progress-container"> <div class="progress-bar" id="progressBar"></div> </div> <div class="empty-sec"></div> </div> <div class="test2-wrapper toc-section-content-wrap"> <div 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href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/07/Mutual-of-Omaha.png" class="mkpl-product-image" alt="Mutual of Omaha" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Mutual of Omaha","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Mutual of Omaha</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Editors’ Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#mutual_of_omaha_section">Best Overall</a></span></div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/2560px-MassMutual_logo.svg.png" class="mkpl-product-image" alt="MassMutual" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"MassMutual","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >MassMutual</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Editors’ Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#massmutual_section">Best for Retirement After a Disability</a></span></div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Ameritas-1.png" class="mkpl-product-image" alt="Ameritas" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Ameritas","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Ameritas</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Editors’ Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#ameritas_section">Best for Discounts</a></span></div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Assurity-logo.png" class="mkpl-product-image" alt="Assurity" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Assurity","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Assurity</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Editors’ Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#assurity_section">Great for Riders</a></span></div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/08/Principal-Life-Insurance.png" class="mkpl-product-image" alt="Principal" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Principal","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Principal</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Editors’ Take </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#principal_section">Great for Quick Coverage</a></span></div></div> </div> </div> </div> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="4" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style=""> <th style="text-align: left" class="primary-font"> COMPANY </th> <th style="text-align: left" class="primary-font"> FORBES ADVISOR RATING </th> <th style="text-align: left" class="primary-font"> EDITORS’ TAKE </th> <th style="text-align: left" class="primary-font"> LEARN MORE </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/07/Mutual-of-Omaha.png" class="mkpl-product-image" alt="Mutual of Omaha" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Mutual of Omaha","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Mutual of Omaha</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#mutual_of_omaha_section">Best Overall</a></span></div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/2560px-MassMutual_logo.svg.png" class="mkpl-product-image" alt="MassMutual" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"MassMutual","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >MassMutual</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#massmutual_section">Best for Retirement After a Disability</a></span></div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Ameritas-1.png" class="mkpl-product-image" alt="Ameritas" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Ameritas","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Ameritas</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#ameritas_section">Best for Discounts</a></span></div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Assurity-logo.png" class="mkpl-product-image" alt="Assurity" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Assurity","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Assurity</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#assurity_section">Great for Riders</a></span></div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/08/Principal-Life-Insurance.png" class="mkpl-product-image" alt="Principal" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Principal","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1=tid&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' >Principal</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><a style="color: #0000ff;" href="#principal_section">Great for Quick Coverage</a></span></div></div> </td> <td class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.meetbreeze.com/offer/1195?pvar1={tid}&pvar2=best-disability-insurance-companies" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span class="primary-font">See Plans</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare quotes from participating carriers via Breeze’s website</p></div></div> </td> </tr> </table> <div class="mkpl-table-navigation-arrows" data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><h2>Best Disability Insurance Companies</h2> </div> </div> <div id="mutual_of_omaha_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Mutual of Omaha","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Mutual of Omaha","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1152512","itemName":"Mutual of Omaha","itemBrand":"Breeze","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Breeze","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="mutual_of_omaha"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best Overall</h2> <h3 class="card-title">Mutual of Omaha</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Mutual of Omaha" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best Overall" data-product-rating="5" data-product-offer="No" data-wp-postid="1152512" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/01/Mutual-of-Omaha-removebg-preview.png" alt="Mutual of Omaha"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Maximum benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">$20,000 per month</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of elimination periods </p> <div class="fact-value-wrapper"> <p class="fact-value">30, 60, 90, 180, 365 or 730 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of length of benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">6 months, 1 year, 2 years, 5 years, 10 years. Also: To age 65, to age 67 or to age 70.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Mutual of Omaha" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best Overall" data-product-rating="5" data-product-offer="No" data-wp-postid="1152512" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/01/Mutual-of-Omaha-removebg-preview.png" alt="Mutual of Omaha"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Mutual of Omaha" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best Overall" data-product-rating="5" data-product-offer="No" data-wp-postid="1152512" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Breeze's website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Maximum benefit"> <div class="fact-value-wrapper"> <p class="fact-value">$20,000 per month</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of elimination periods"> <div class="fact-value-wrapper"> <p class="fact-value">30, 60, 90, 180, 365 or 730 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of length of benefit"> <div class="fact-value-wrapper"> <p class="fact-value">6 months, 1 year, 2 years, 5 years, 10 years. Also: To age 65, to age 67 or to age 70.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Mutual of Omaha"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>Disability insurance buyers will appreciate the ability to select ample benefits from Mutual of Omaha’s Mutual Income Solutions policy, including a large choice for the length of the benefit. Online quotes are a plus.</p> <ul> <li>Monthly benefit as low as $300 available.</li> <li>Short 6-month benefit period available if you want to buy only a small amount of coverage.</li> <li>Return of premium rider offered, which returns a portion of the premiums you’ve paid (50% or 80%) every 10 years, minus any claims paid, up to $12,000 total maximum monthly benefit.</li> <li>Mutual of Omaha’s True Regular Occupation rider provides full benefits if you can’t work in your occupation but are currently working in a different occupation.</li> <li>The Residual Disability rider helps if you’re only partially disabled by paying a percentage of your total monthly benefit.</li> <li>If your spouse or partner needs disability insurance, too, there’s a 10% two-person household discount.</li> <li>Long benefit periods available, including 10 years and to age 70.</li> <li>Issue ages 18-61.</li> </ul> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Mutual of Omaha"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Some competitors have a higher monthly benefit than $20,000 a month, but $20,000 might be adequate based on your salary.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="massmutual_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"MassMutual","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"MassMutual","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1152526","itemName":"MassMutual","itemBrand":"Breeze","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Breeze","coupon":"","secondaryCallout":"","starRatings":4.5,"initialCost":0,"subscriptionCost":0}' id="massmutual"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Retirement After a Disability</h2> <h3 class="card-title">MassMutual</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="MassMutual" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Retirement After a Disability" data-product-rating="4.5" data-product-offer="No" data-wp-postid="1152526" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/2560px-MassMutual_logo.svg.png" alt="MassMutual"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Maximum benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">$30,000 per month ($20,000 in California and Florida)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of elimination periods </p> <div class="fact-value-wrapper"> <p class="fact-value">60, 90, 180, 365 or 730 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of length of benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">2 years, 5 years, 10 years. Also: To age 65, to 67 or to age 70</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="MassMutual" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Retirement After a Disability" data-product-rating="4.5" data-product-offer="No" data-wp-postid="1152526" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/2560px-MassMutual_logo.svg.png" alt="MassMutual"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="MassMutual" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Retirement After a Disability" data-product-rating="4.5" data-product-offer="No" data-wp-postid="1152526" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Breeze's website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Maximum benefit"> <div class="fact-value-wrapper"> <p class="fact-value">$30,000 per month ($20,000 in California and Florida)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of elimination periods"> <div class="fact-value-wrapper"> <p class="fact-value">60, 90, 180, 365 or 730 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of length of benefit"> <div class="fact-value-wrapper"> <p class="fact-value">2 years, 5 years, 10 years. Also: To age 65, to 67 or to age 70</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"MassMutual"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>MassMutual’s Radius Choice policy scored very well in our analysis thanks to the ability to buy generous disability benefits. You can also be compensated the amount equal to what you and your employer’s contributions would have been to an eligible retirement plan if you kept working.</p> <ul> <li>High maximum monthly benefit of $30,000 available (in most states).</li> <li>Long benefit periods available, including 10 years and to age 70.</li> <li>The RetireGuard Rider will provide an amount equal to both your contributions and the employer match contributions that would have been made to an eligible defined contribution plan if you had not become disabled.</li> <li>10% spousal discount available.</li> <li>Short-term disability benefits riders are available, which is handy if you don’t get it through work.</li> <li>Issue ages 18-64 (18–60 in Florida).</li> </ul> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"MassMutual"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Online quotes not available.</li> <li>30-day elimination period not available, unlike top competitors.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="ameritas_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Ameritas","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Ameritas","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1152534","itemName":"Ameritas","itemBrand":"Breeze","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Breeze","coupon":"","secondaryCallout":"","starRatings":4,"initialCost":0,"subscriptionCost":0}' id="ameritas"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Discounts</h2> <h3 class="card-title">Ameritas</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Ameritas" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Discounts" data-product-rating="4" data-product-offer="No" data-wp-postid="1152534" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Ameritas.png" alt="Ameritas"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Maximum benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">$30,000 per month (maximum available depends on your occupation)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of elimination periods </p> <div class="fact-value-wrapper"> <p class="fact-value">Choices depend on your benefit level but start at 30 days.</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of length of benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">1 year, 2 years, 5 years or 10 years. Also: To age 65 and to age 67.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Ameritas" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Discounts" data-product-rating="4" data-product-offer="No" data-wp-postid="1152534" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Ameritas.png" alt="Ameritas"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Ameritas" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Best for Discounts" data-product-rating="4" data-product-offer="No" data-wp-postid="1152534" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Breeze's website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Maximum benefit"> <div class="fact-value-wrapper"> <p class="fact-value">$30,000 per month (maximum available depends on your occupation)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of elimination periods"> <div class="fact-value-wrapper"> <p class="fact-value">Choices depend on your benefit level but start at 30 days.</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of length of benefit"> <div class="fact-value-wrapper"> <p class="fact-value">1 year, 2 years, 5 years or 10 years. Also: To age 65 and to age 67.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor\u2019s take","clickType":"Accordion","referenceText":"Ameritas"}' >Editor’s take</div> <div class="c-tab--content list-points"> <p>The Ameritas DInamic Cornerstone Income Protection policy has a wide range of choices for levels of protection, including $30,000 monthly benefit. You can also qualify for premium discounts, for example if you haven’t used tobacco in the past year.</p> <ul> <li>A one-year benefit period is available if you’re looking for only a short period of benefits.</li> <li>Eight useful riders available, including a student loan rider that provides extra coverage to reimburse you for student loan payments.</li> <li>Several types of discounts available, including a discount for not using tobacco in the last year.</li> <li>There are three definitions of “disability” available, which lets you customize when you’ll receive disability payments.</li> <li>Issue ages of 18-64 is better than many competitors, which often have a max of age 60.</li> </ul> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Ameritas"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Benefit payments to age 70 is not a choice.</li> <li>Online quotes not available.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="assurity_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Assurity","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Assurity","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1152543","itemName":"Assurity","itemBrand":"Breeze","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Breeze","coupon":"","secondaryCallout":"","starRatings":4,"initialCost":0,"subscriptionCost":0}' id="assurity"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Great for Riders</h2> <h3 class="card-title">Assurity</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Assurity" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Riders" data-product-rating="4" data-product-offer="No" data-wp-postid="1152543" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Assurity.png" alt="Assurity"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Maximum benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">$20,000 per month (maximum available depends on your occupation)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of elimination periods </p> <div class="fact-value-wrapper"> <p class="fact-value">30, 60, 90, 180 or 365 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of length of benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">5 years or 10 years, depending on occupation. Also: To age 65 and to age 67.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Assurity" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Riders" data-product-rating="4" data-product-offer="No" data-wp-postid="1152543" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Assurity.png" alt="Assurity"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Assurity" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Riders" data-product-rating="4" data-product-offer="No" data-wp-postid="1152543" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Breeze's website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Maximum benefit"> <div class="fact-value-wrapper"> <p class="fact-value">$20,000 per month (maximum available depends on your occupation)</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of elimination periods"> <div class="fact-value-wrapper"> <p class="fact-value">30, 60, 90, 180 or 365 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of length of benefit"> <div class="fact-value-wrapper"> <p class="fact-value">5 years or 10 years, depending on occupation. Also: To age 65 and to age 67.</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor\u2019s take","clickType":"Accordion","referenceText":"Assurity"}' >Editor’s take</div> <div class="c-tab--content list-points"> <p>Assurity’s Century+ policy can be packed with benefits, thanks to its robust rider choices. Assurity’s monthly benefit maximum and elimination periods also helped push it to the top.</p> <ul> <li>10 available riders, including a critical illness rider and a return of premium rider.</li> <li>Online quotes available.</li> <li>Issue ages 18-60.</li> </ul> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Assurity"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>Limited choices of length of benefits compared to top competitors.</li> <li>The ability to get the most generous benefits depends on your occupation.</li> <li>Benefit payments to age 70 is not a choice.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="principal_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Principal","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Principal","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1152550","itemName":"Principal","itemBrand":"Breeze","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Breeze","coupon":"","secondaryCallout":"","starRatings":4,"initialCost":0,"subscriptionCost":0}' id="principal"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Great for Quick Coverage</h2> <h3 class="card-title">Principal</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Principal" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Quick Coverage" data-product-rating="4" data-product-offer="No" data-wp-postid="1152550" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Principal-Life-Insurance.png" alt="Principal"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Maximum benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">$35,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of elimination periods </p> <div class="fact-value-wrapper"> <p class="fact-value">60, 90, 180, or 365 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Choices of length of benefit </p> <div class="fact-value-wrapper"> <p class="fact-value">2 years or 5 years. Also: To age 65, age 67 or to age 70</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Principal" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Quick Coverage" data-product-rating="4" data-product-offer="No" data-wp-postid="1152550" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Principal-Life-Insurance.png" alt="Principal"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="See Plans" data-link-placement="Button Link" data-url="https://www.meetbreeze.com/offer/1195?pvar1=tid&pvar2=best-disability-insurance-companies" data-component-title="Generic Product Widget" data-product-name="Principal" data-product-category="Best Disability Insurance Companies 2021" data-product-position="NA" data-product-badge="Great for Quick Coverage" data-product-rating="4" data-product-offer="No" data-wp-postid="1152550" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"See Plans","clickUrl":"https:\/\/www.meetbreeze.com\/offer\/1195?pvar1={tid}&pvar2=best-disability-insurance-companies","partnerName":"Breeze"}' ><span>See Plans </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Breeze's website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Maximum benefit"> <div class="fact-value-wrapper"> <p class="fact-value">$35,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of elimination periods"> <div class="fact-value-wrapper"> <p class="fact-value">60, 90, 180, or 365 days</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Choices of length of benefit"> <div class="fact-value-wrapper"> <p class="fact-value">2 years or 5 years. Also: To age 65, age 67 or to age 70</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor\u2019s take","clickType":"Accordion","referenceText":"Principal"}' >Editor’s take</div> <div class="c-tab--content list-points"> <p>High earners can get robust monthly payments with the Principal Income Protector disability insurance policy. You can also be approved for coverage within a few days if you meet eligibility requirements.</p> <ul> <li>Generous possible monthly benefit of $35,000 a month. Competitors top out at $30,000 or less.</li> <li>You can get approved within a few days with the simplified underwriting process if you’re under age 51 and looking for a monthly disability benefit up to $10,000. You’ll only need to answer some questions.</li> <li>Available to people working over 20 hours a week.</li> <li>By adding Principal’s True Own Occupation Definition of Disability rider you’ll be able to receive benefits even if you’re working in a different occupation from our own original occupation.</li> <li>You can add a death benefit rider that will pay a lump sum to your beneficiaries if you pass away while receiving disability benefits.</li> <li>Online quotes are available.</li> </ul> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Drawbacks","clickType":"Accordion","referenceText":"Principal"}'>Drawbacks </div> <div class="c-tab--content list-points"> <ul> <li>No 30-day elimination period available, unlike top competitors.</li> <li>No 10-year benefit period available, unlike top competitors.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="what_is_disability_insurance_and_how_does_it_work_section" class="article-section toc-section-element toc-element " > <h2>What Is Disability Insurance And How Does It Work?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Disability insurance is an insurance policy that pays a portion of your lost wages if you become ill or injured and are unable to perform the main duties of your occupation.</p> <p>You pay monthly premiums when you have disability insurance coverage. If you become ill or injured and can’t work, the insurance policy covers a percentage of your wages.</p> <p>If you’re getting disability insurance through work, there’s usually a basic plan that the employer pays for and potentially the option to increase the benefit level at your own expense.</p> <p>If you’re buying an individual disability insurance policy, you’ll generally have choices for the:</p> <ul> <li><strong>Elimination period.</strong> The waiting period before disability payments start when you have a qualifying disability. Elimination periods generally range between 30 days and two years.</li> <li><strong>Length of the benefit period.</strong> How long the insurance company will pay you when you’re disabled.</li> </ul> <p>Elimination and length of benefit periods factor into how much you pay for long-term disability insurance.</p> <style>/*! purgecss start ignore */.tns-outer{padding:0!important}.tns-outer [hidden]{display:none!important}.tns-outer [aria-controls],.tns-outer [data-action]{cursor:pointer}.tns-slider{transition:all 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.featured-partners-container{padding-top:8px}#featured-partners.with-fp-disclosure-icon .fp-wrapper .fp-slider-controls .next.right-gradient,#featured-partners.with-fp-disclosure-icon .fp-wrapper .fp-slider-controls .prev.left-gradient{margin-top:31px}#featured-partners.with-fp-disclosure-icon.multi-featured-products .featured-partners-container{padding-top:8px}p:has(style){display:none;margin:0} /*! purgecss start ignore */.full-width-featured-partners #featured-partners .fp-full-width .featured-partners-card:not(.tns-item){flex-basis:25%;flex-shrink:0}#featured-partners .fp-half-width .featured-partners-card:not(.tns-item){flex-basis:33.3333333333%;flex-shrink:0} /*! purgecss end ignore */</style><div id="featured-partners" class="multi-featured-products count-3 " data-mktp-container='{"componentTitle":"Featured Health Insurance Partners","componentType":"Featured Partners Widget ShortCode"}'><p class="featured-partners-heading">Featured Health Insurance Partners</p><div class="fp-wrapper " data-mktp-list='{"listName":"Featured Partners Widgets","productsOnPage":"3","appliedFilters":"","pageNumber":1}'><div class="featured-partners-container"><div class="featured-partners-card" data-mktp-container='{"componentTitle":"Aetna","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"175581","itemName":"Aetna","itemBrand":"Healthcare.com","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Healthcare.com","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">Aetna</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Coverage area </div><p class="value">Offers plans in all 50 states and Washington, D.C.</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Number of providers in network </div><p class="value">About 1.2 million</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Physician copays start at </div><p class="value">$20</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">Aetna</p></div></div><div class="star-content-wrapper"><a href=https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" data-component-title="Featured Partner Widget" data-product-name="Aetna" data-product-category="Best Health Insurance Companies of 2021" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="175581" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.healthcare.com\/healthcare-insurance\/survey\/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id","partnerName":"Healthcare.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Aetna.png" alt="Aetna" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" data-component-title="Featured Partner Widget" data-product-name="Aetna" data-product-category="Best Health Insurance Companies of 2021" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="175581" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.healthcare.com\/healthcare-insurance\/survey\/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id","partnerName":"Healthcare.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Aetna.png" alt="Aetna" /></a></div><div class="btn-wrapper"><a href="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Get Quotes" data-link-placement="Button Link" data-url="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" data-component-title="Featured Partner Widget" data-product-name="Aetna" data-product-category="Best Health Insurance Companies of 2021" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="175581" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Get Quotes","clickUrl":"https:\/\/www.healthcare.com\/healthcare-insurance\/survey\/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id","partnerName":"Healthcare.com"}' ><span class="arrow-wrapper">Get Quotes <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 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data-mktp-product='{"itemId":"175590","itemName":"Blue Cross Blue Shield","itemBrand":"Healthcare.com","itemCategory":"Health Insurance","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Healthcare.com","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">Blue Cross Blue Shield</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Coverage area: </div><p class="value">Offers plans in all 50 states and Washington, D.C.</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Number of providers in network </div><p class="value">About 1.7 million</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Physician copays start at </div><p class="value">$10</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">Blue Cross Blue Shield</p></div></div><div class="star-content-wrapper"><a href=https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" data-component-title="Featured Partner Widget" data-product-name="Blue Cross 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class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.healthcare.com/healthcare-insurance/survey/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id" data-component-title="Featured Partner Widget" data-product-name="Cigna" data-product-category="Best Health Insurance Companies of 2021" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="175595" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.healthcare.com\/healthcare-insurance\/survey\/?SRC=1112078&utm_source=publisher&utm_medium=referralpartner&utm_campaign=1112078&partner_sub_id=click id","partnerName":"Healthcare.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" 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6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Healthcare.com's Website</p></div><div class="secondary-cta-container"></div></div></div></div></div></div></div> </div> </div> <hr/> <div id="types_of_disability_insurance_section" class="article-section toc-section-element toc-element " > <h2>Types of Disability Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Short-term and long-term disability insurance are available.</p> <p>If you get workplace disability insurance you likely get both short- and long-term. Check your benefits material or ask your HR department for details about the employer’s disability insurance.</p> <p>If you’re buying individual disability on your own:</p> <ul> <li><a href="https://www.forbes.com/advisor/health-insurance/how-to-find-the-best-short-term-disability-insurance/">Short-term disability insurance</a> is meant to last only a short time, such as one or three years.</li> <li>Long-term disability can last many years. You’ll have a choice of benefit length that will be either a number of years (such as five or 10 years) or to a certain age, such as “to age 65.”</li> </ul> </div> </div> <hr/> <div id="how_to_get_disability_insurance_section" class="article-section toc-section-element toc-element " > <h2>How to Get Disability Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Here are the main ways to secure disability coverage.</p> <div id="footable_parent_1116642" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="1116642" data-filter-delay="1000" aria-label="How to Get Disability Insurance (Update)" id="footable_1116642" data-unique_identifier="ninja_table_unique_id_1030288684_1116642" class=" foo-table ninja_footable foo_table_1116642 ninja_table_unique_id_1030288684_1116642 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninjatable_hide_header_row ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja "></th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_nin "></th> </tr> </thead> <tbody> <tr data-row_id="192852" class="ninja_table_row_0 nt_row_id_192852"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/image1-13.png" alt="" width="70" height="70" class="alignnone wp-image-1116653" /></p> </td> <td> <h3>Directly from a Disability Insurance Company</h3> <p>To purchase individual disability insurance from a private insurance company, you’ll need to contact an insurance agent who sells disability insurance from that particular company. Check the website of the insurance company, where you’ll often find a link to connect with an agent. Some disability insurance companies provide quotes online.</p> <h3></h3> </td> </tr> <tr data-row_id="192853" class="ninja_table_row_1 nt_row_id_192853"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/image3-3.png" alt="" width="70" height="70" class="alignnone wp-image-1116654" /></p> </td> <td> <h3>Through an Employer</h3> <p>People often get disability insurance through work. Short-term disability insurance, especially, is mainly secured through a workplace. Disability insurance is typically low or no cost to the employee but you lose coverage if you change jobs.</p> <h3></h3> </td> </tr> <tr data-row_id="192854" class="ninja_table_row_2 nt_row_id_192854"> <td> <p align="center"><img decoding="async" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/image2-5.png" alt="" width="70" height="70" class="alignnone wp-image-1116655" /></p> </td> <td> <h3>Through the Government</h3> <p>Disability insurance is available through the government in some cases. Social Security Disability Insurance (SSDI) is only available if you have worked and contributed to Social Security. If you’ve become disabled and are eligible for SSDI, you must fill out paperwork (which many people find extensive and complicated) and, if approved, wait for an extended period of time before payments are made.</p> <h3></h3> </td> </tr> </tbody> <p> </table> <style type="text/css" id='ninja_table_custom_css_1116642'> #footable_1116642 { font-family: inherit; font-size: 14px; }#footable_1116642,#footable_1116642 table { background-color: !important; color: !important; border-color: !important;}#footable_1116642 thead tr.footable-filtering th { background-color: !important; color: !important;}#footable_1116642:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; }#footable_1116642 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important;}#footable_1116642 tr.footable-header, #footable_1116642 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(57, 91, 182, 1) !important; 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}#footable_1116642 th.ninja_column_0 { text-align: center; } </style> </div> </div> </div> <hr/> <div id="what_does_disability_insurance_cover_section" class="article-section toc-section-element toc-element " > <h2>What Does Disability Insurance Cover?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Disability insurance typically covers a percentage of your wages or provides a flat monthly payment for a specified period of time after you begin to receive benefits.</p> <p>If you’re buying disability insurance through work, ask your HR department what the definition of a “disability” is.</p> <p>It’s important to examine the definition of “disability” when you buy an individual disability insurance policy. Individual disability insurance policies often have a choice of how “disability” will be defined, and you can upgrade to a more generous definition by buying a rider. The definition will affect your ability to get benefit payments. The typical definitions of a disability are “any occupation” and “own occupation.”</p> <h3>Any Occupation</h3> <p>You’ll receive monthly disability benefits if a sickness or injury prevents you from working in any occupation. This is the most restrictive definition of a disability.</p> <p>For example, a shoulder injury might prevent you from doing the work of your own occupation but you could still do desk work for similar pay. In this case an “any occupation” disability insurance policy would not provide benefits.</p> <h3>Own Occupation</h3> <p>You are unable to perform the substantial and material duties of your own occupation. Some disability insurance policies will even pay a full monthly benefit even if you’re working in another occupation. This is the most generous definition for getting disability benefits.</p> <p>Ask your disability insurance agent if an “own occupation” rider is available and if it allows you to get benefits even if you decide to work in a different job.</p> </div> </div> <hr/> <div id="what_does_disability_insurance_not_cover_section" class="article-section toc-section-element toc-element " > <h2>What Does Disability Insurance Not Cover?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A disability policy will contain a specific list of exclusions, which often include disability due to:</p> <ul> <li>War</li> <li>Pregnancy, except for complications from pregnancy</li> <li>Committing a felony</li> <li>Active participation in violence</li> <li>Intentional, self-inflicted injury</li> </ul> <p>Also, disabilities that start while you’re incarcerated may be excluded from coverage.</p> </div> </div> <hr/> <div id="how_much_does_disability_insurance_cost_section" class="article-section toc-section-element toc-element " > <h2>How Much Does Disability Insurance Cost?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>An individual long-term disability insurance policy costs about 1% to 3% of your annual salary, according to Life Happens, an industry-funded group that focuses on insurance education. For example, if you make $200,000 a year, individual disability insurance will likely cost $166 to $500 a month.</p> <p>Typical pricing factors for disability insurance include:</p> <p><strong>Your occupation.</strong> Risky occupations will lead to higher disability insurance costs.</p> <p><strong>Your health.</strong> When you apply for individual disability insurance you usually must answer questions about your health history. Poor health, chronic illnesses and smoking will lead to higher rates.</p> <p><strong>Your age and gender.</strong> Waiting to an older age to buy disability insurance will increase your monthly cost, especially for men.</p> <p><strong>The definition of disability.</strong> Policies that use an “own occupation” definition will be more expensive than those with an “any occupation” definition.</p> <p><strong>The coverage levels of the policy.</strong> The length of the benefit period, the monthly benefit amount and the elimination period you select will all affect the cost.</p> <section id="How-to-Choose-the-Best-Disability-Insurance-for-Your-Needs" class="ask-the-expert-block exclude-eds ate-block-id-1116895674b75cf11573 p-16px pt-12px border-askTheExpert-accent border-t-4 shadow-askTheExpertBlock rounded-12px text-black900 lg:p-40px lg:pt-36px my-20px lg:my-24px" data-mktp-container='{"componentTitle":"How to Choose the Best Disability Insurance for Your Needs","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">Expert Tips</p> <h3 class="ate-widget-main-heading h3">How to Choose the Best Disability Insurance for Your Needs</h3> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_0992787" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='0992787' data-parent-id='1116895674b75cf11573' data-mktp-misc-click='{"clickText":"Les Masterson","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Les Masterson</p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> <div id="author_1992707" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='1992707' data-parent-id='1116895674b75cf11573' data-mktp-misc-click='{"clickText":"Amy Danise","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Amy Danise</p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> <div id="author_2992748" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='2992748' data-parent-id='1116895674b75cf11573' data-mktp-misc-click='{"clickText":"Michelle Megna","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Michelle Megna</p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_0992787" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Figure Out How Much You Need</h3> <div class="expert-description pr-8px"> <p>I suggest you calculate how much money you would need if you lost your ability to work. Add up your monthly expenses, including rent or a mortgage, utilities, food, insurance, debts and other financial obligations. List the sources of income that you would use to help pay those expenses without your paycheck, such as a spouse’s income, savings and sick pay offered by your employer. The difference is the amount you need in disability benefits.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson.jpg alt="Les Masterson" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a></p> <p class="expert-designation">Insurance Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_1992707" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Look for Ways To Save</h3> <div class="expert-description pr-8px"> <p>If you’re looking to save money on disability insurance, you can choose a longer elimination period and/or shorter length of benefit period. These periods dictate when you can start receiving disability payments and how long you’ll get paid while disabled. You may save money now but I’d be concerned about having to wait longer to get disability payments or receiving payments for a shorter period, so weigh the pros and cons.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/adanise/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio.jpg alt="Amy Danise" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/adanise/" target="_blank" data-mktp-link='{"clickText":"Amy Danise","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/adanise\/","clickType":"internal"}'>Amy Danise</a></p> <p class="expert-designation">Insurance Managing Editor</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_2992748" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3">Look Into Riders</h3> <div class="expert-description pr-8px"> <p>It’s wise to check out disability insurance company riders, which let you add other types of coverage. I’ve seen many different riders, such as offering a death benefit if you die while receiving disability benefits, helping pay student loans if you’re disabled or providing a percentage of your total monthly benefit if you’re partially disabled.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg alt="Michelle Megna" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/mmegna/" target="_blank" data-mktp-link='{"clickText":"Michelle Megna","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mmegna\/","clickType":"internal"}'>Michelle Megna</a></p> <p class="expert-designation">Insurance Lead Editor</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> </div> </div> <hr/> <div id="methodology_section" class="article-section toc-section-element toc-element " > <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To find the best disability insurance companies, we analyzed long-term disability insurance policies based on the availability of the most robust benefits. Ratings are based on the following factors.</p> <ul> <li><strong>Maximum monthly benefit (25% of score):</strong> Policies with high maximum benefits earned more points.</li> <li><strong>Elimination period choices (25% of score):</strong> Policies offering shorter elimination periods earned more points.</li> <li><strong>Length of benefit period by age (20% of score):</strong> Policies with an option for benefits to age 70 earned points.</li> <li><strong>Length of benefit period by years (20% of score):</strong> Policies with an option for a 10-year benefit period earned points.</li> <li><strong>Online quotes (10% of score):</strong> Points were given if online disability insurance quotes are available.</li> </ul> </div> </div> <hr/><div id="disability_insurance_frequently_asked_questions_faqs_section" class="faq-section article-section toc-section-element toc-element"> <h2 class="title"> Disability Insurance Frequently Asked Questions (FAQs) </h2> <div class="main-faqs faq-2021 faq-v2" data-mktp-container='{"componentTitle":"Disability Insurance Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-mktp-misc-click='{"clickText":"Are disability benefits taxable?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Are disability benefits taxable?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The potential tax bill for disability benefits you receive depends on how the insurance was paid for:</p> <p> </p> <ul> <li style="list-style-type: none;"> <ol style="list-style: disc;"> <li>If you pay for your disability insurance with after-tax dollars, the benefits are not taxable. For example, if you buy individual disability insurance on your own, your benefits won’t be taxed.</li> <li>If the disability insurance is paid for by your employer, the benefits are taxable.</li> <li>Money from SSDI may be taxable if you have enough additional income.</li> </ol> </li> </ul> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Is disability insurance tax deductible?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Is disability insurance tax deductible?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>In most cases, private disability insurance is not tax deductible. You must report as income any amount you receive for your disability through an accident or <a href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/">health insurance</a> plan that’s paid for by your employer, according to the Internal Revenue Service.</p> <p> </p> <p>If both you and the employer pay the premiums for the plan, only the amount you receive for your disability that’s due to your employer’s portion of payments is reported as income.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Should I hire a disability insurance lawyer?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Should I hire a disability insurance lawyer?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You don’t need a lawyer to buy individual disability insurance or disability insurance through work.</p> <p> </p> <p>But you might want to consider a lawyer if you’re applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). For example, a lawyer could review your disability application for mistakes or information you left out, to increase your chances of getting approved.</p> </div> </div> </div> </div> <hr/> <div id="sources_section" class="article-section toc-section-element toc-element " > <h2>Sources</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.ssa.gov/pubs/EN-05-10029.pdf" target="_blank" rel="nofollow noopener"><small>Disability Benefits</small></a><small>. Social Security Administration.</small></li> <li><a href="https://lifehappens.org/disability-insurance-101/why-is-disability-insurance-important/" target="_blank" rel="nofollow noopener"><small>Why Is Disability Insurance Important?</small></a> <small>Life Happens.</small></li> <li><a href="https://www.ssa.gov/benefits/disability/" target="_blank" rel="nofollow noopener"><small>The Basics About Disability Insurance</small></a><small>. Social Security.</small></li> <li><a href="https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds/life-insurance-disability-insurance-proceeds-1" target="_blank" rel="nofollow noopener"><small>Life Insurance & Disability Insurance Proceeds Q&A</small></a><small>. IRS.</small></li> <li><a href="https://disabilitycanhappen.org/financial-security/" target="_blank" rel="nofollow noopener"><small>Preparing for Disability; Financial Impact</small></a><small>. Council for Disability Awareness.</small></li> </ul> </div> </div> <hr/> <div id="next_up_in_health_insurance_section" class="article-section toc-section-element toc-element " > <h2>Next Up In Health Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.forbes.com/advisor/life-insurance/life-insurance-with-disability/">How To Qualify For Life Insurance With A Disability</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/how-to-get-health-insurance/">How To Get Health Insurance</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/health-insurance-quotes/">Your Guide To Getting Health Insurance Quotes</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/">Your Guide To The Best Affordable Health Insurance Plans</a></li> <li><a href="https://www.forbes.com/advisor/health-insurance/group-health-insurance/">What You Need To Know About Group Health Insurance</a></li> <li><a href="https://www.forbes.com/advisor/student-loans/total-and-permanent-disability-discharge-on-student-loans/">Can I Get Total And Permanent Disability Discharge (TPD) On Student Loans?</a></li> </ul> <div class="container newsletter__container px-0 through-shortcode" data-mktp-container='{"componentTitle":"NewsLetter","componentType":"Advisor Widgets"}' > <div class="newsletter"> <div class="newsletter__top"> <div class="newsletter__title" data-internaltitle="Insurance Email Capture">Helping You <span>Make Smart </span>Insurance Decisions</div> <div class="newsletter__desc"> <p>Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.</p> </div> </div> <div class="newsletter__bottom"> <form name="newsletter" class="newsletter__form" autocomplete="off" novalidate> <div class="top__form"> <div class="detail"><input type="text" id = "firstName" placeholder="First Name" class="first-name" required></p> <div class="newsletter_name_error"></div> </div> <div class="detail"><input type="text" id = "lastName" placeholder="Last Name" class="last-name" required></p> <div class="newsletter_lastName_error"></div> </div> <div class="detail"><input type="email" id="userSubscribeEmail" placeholder="Enter Your Email Address" class="outline-none" required></p> <div class="newsletter_email_error"></div> </div> </div> <div class="newsletter_captcha_error">Something went wrong. 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He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites. </p> </div> </div>  </div> </div> <div class="article_published_date" style="font-family:'Work Sans',sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> </div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 1px #999,1px 0 #999,0 -1px #999;transition:color .2s}.feedback-rating-box .feedback-rating-container input{display:none}.feedback-rating-box .feedback-rating-container input:checked~label,.feedback-rating-box 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Please try again later.</div> </div> </div> </div> </div> </div> </div> </div> <script type="application/ld+json"> { "@context":"https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "Are disability benefits taxable?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The potential tax bill for disability benefits you receive depends on how the insurance was paid for:<\/p>\n<p> <\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ol style=\"list-style: disc;\">\n<li>If you pay for your disability insurance with after-tax dollars, the benefits are not taxable. For example, if you buy individual disability insurance on your own, your benefits won\u2019t be taxed.<\/li>\n<li>If the disability insurance is paid for by your employer, the benefits are taxable.<\/li>\n<li>Money from SSDI may be taxable if you have enough additional income.<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n" } },{ "@type": "Question", "name": "Is disability insurance tax deductible?", "acceptedAnswer": { "@type": "Answer", "text": "<p>In most cases, private disability insurance is not tax deductible. You must report as income any amount you receive for your disability through an accident or <a href=\"https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/\">health insurance<\/a> plan that\u2019s paid for by your employer, according to the Internal Revenue Service.<\/p>\n<p> <\/p>\n<p>If both you and the employer pay the premiums for the plan, only the amount you receive for your disability that’s due to your employer’s portion of payments is reported as income.<\/p>\n" } },{ "@type": "Question", "name": "Should I hire a disability insurance lawyer?", "acceptedAnswer": { "@type": "Answer", "text": "<p>You don\u2019t need a lawyer to buy individual disability insurance or disability insurance through work.<\/p>\n<p> <\/p>\n<p>But you might want to consider a lawyer if you\u2019re applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). For example, a lawyer could review your disability application for mistakes or information you left out, to increase your chances of getting approved.<\/p>\n" } }] } </script><script> (()=>{ if(window.location.hash == "#data-studies"){ var prContentWrapper = document.querySelector('.pr-container'); // Manupulate PR Content text Parent Wrap var prContentItem = document.querySelectorAll("[data-studies = 'true']"); prContentItem.forEach((item)=>{ var nexSibling = item.nextElementSibling; if(nexSibling.tagName == 'HR'){ nexSibling.remove(); } prContentWrapper.appendChild(item); if(!(item.classList.contains('hide-section-title'))){ var newSibling = document.createElement('hr'); prContentWrapper.appendChild(newSibling); } }) //Append PR Title var prTitleWrapTag = document.querySelector(".pr-container template"); if(prTitleWrapTag){ var prTitleTag = prTitleWrapTag.content.cloneNode(true); prContentWrapper.insertBefore(prTitleTag, prContentWrapper.children[0]); } } })(); </script> <style>footer.shared-footer,.ninja_table_wrapper{ content-visibility: auto; } </style> <div class="ng-scope"> <footer class="clearfix shared-footer "> <div class="row-inner"> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="131" height="32" viewBox="0 0 131 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M79.6513 9.11612C77.599 9.11612 75.952 9.66337 74.2417 10.4842C74.2544 5.72091 74.3177 1.56698 74.4317 0L64.4613 1.89035V2.7734L65.4367 2.89781C66.8303 3.08442 67.3624 3.88034 67.5271 5.70856C67.8438 9.20325 67.7932 27.9332 67.5271 30.9304C70.2129 31.5274 73.1142 31.9752 76.028 31.9752C83.9333 31.9752 88.6969 27.1746 88.6969 19.5756C88.6969 13.4939 84.8329 9.11612 79.6513 9.11612ZM76.18 30.4329C75.6099 30.4329 74.8877 30.3459 74.4824 30.2712C74.3304 28.1694 74.2291 19.5009 74.2417 11.9268C75.1538 11.6283 75.7746 11.5537 76.5728 11.5537C79.8414 11.5537 81.691 15.2599 81.691 19.9486C81.691 25.9059 79.4233 30.4329 76.18 30.4329ZM26.9865 9.35243L25.4282 9.77528C24.0727 5.32283 21.9063 2.81068 17.8775 2.81068H12.7087C12.468 5.64636 12.3793 10.3722 12.4047 15.2848L15.8887 15.1729C18.2071 15.0983 19.1699 13.4069 19.7274 10.9071H21.0322V21.3166H19.7274C19.1699 18.8168 18.1944 17.1378 15.8887 17.0507L12.4174 16.9388C12.4554 20.6699 12.5567 23.8537 12.7214 25.7441C12.9621 28.5176 13.7223 29.7363 15.7239 30.0224L17.4976 30.209V31.4527H0.635254V30.209L2.02888 30.0224C4.03061 29.7363 4.79075 28.5175 5.03139 25.7441C5.41142 21.1797 5.47479 11.678 5.03139 6.37991C4.79067 3.60643 4.03053 2.38767 2.02888 2.10165L0.635254 1.91512V0.671426H26.8472L26.9865 9.35243ZM35.3734 8.86738C42.8228 8.86738 46.522 13.8296 46.522 20.359C46.522 26.7391 42.3412 31.975 34.8919 31.975C27.4425 31.975 23.7306 27.0127 23.7306 20.4834C23.7306 14.1033 27.9115 8.86738 35.3734 8.86738ZM34.9806 10.2853C31.6868 10.2853 30.7619 14.663 30.7619 20.4213C30.7619 26.0303 32.2189 30.5573 35.2721 30.5573C38.5659 30.5573 39.4908 26.1795 39.4908 20.4213C39.4908 14.8122 38.0339 10.2853 34.9806 10.2853ZM90.5212 20.6326C90.5085 14.5759 94.4105 8.89223 102.088 8.89223C108.334 8.89223 111.324 13.4442 111.349 19.389H97.4131C97.2611 24.7865 100.048 28.754 105.369 28.754C107.713 28.754 108.98 28.1819 110.399 27.1247L111.058 27.8959C109.512 29.9977 106.281 32 101.999 32C95.272 31.9875 90.5338 27.3112 90.5212 20.6326ZM97.4637 17.8468L104.457 17.6976C104.495 14.663 104.001 10.3225 101.48 10.3225C98.946 10.3225 97.5271 14.4267 97.4637 17.8468ZM129.263 15.6828L128.123 15.9813C126.906 12.1135 125.057 10.4718 122.358 10.4718C120.559 10.4718 119.254 11.8025 119.254 13.7302C119.254 15.6456 120.711 16.6529 124.93 18.2572C128.819 19.7373 130.365 21.4411 130.365 24.5378C130.365 29.1643 126.754 31.9999 120.825 31.9999C117.975 31.9999 114.807 31.3781 112.958 30.6443L112.755 24.2517L113.895 23.9533C115.53 28.4305 117.658 30.0598 120.458 30.0598C122.84 30.0598 124.17 28.3932 124.17 26.6148C124.17 24.8861 123.169 23.8538 119.368 22.5107C115.834 21.267 113.275 19.7497 113.275 15.8694C113.275 12.1011 116.67 8.87988 122.282 8.87988C124.892 8.87988 127.362 9.32766 129.022 10.0738L129.263 15.6828ZM63.5363 15.5087C60.5212 13.5188 57.2652 14.3894 56.5937 15.4714C56.3657 19.0532 56.4164 24.5378 56.6698 27.2988C56.8344 29.127 57.3665 29.923 58.7602 30.1096L60.5591 30.234V31.4777H46.7248V30.234L47.7003 30.1096C49.0939 29.923 49.626 29.127 49.7907 27.2988C50.0567 24.3014 50.1073 18.0582 49.7907 14.5635C49.626 12.7353 49.0939 11.9394 47.7003 11.7528L46.7248 11.6284V10.7453L56.6573 8.85487L56.5433 13.9541C58.8616 8.70569 63.4479 8.02168 65.9689 9.48927L63.5363 15.5087Z" fill="#333333"/> </svg> </a> <span class="copy ng-binding">© 2024 Forbes Media LLC. 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} function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["media_alpha_widget","related","generic_product_widget"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = ["Media Alpha"]; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Top N Non-CC - 2021', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Les Masterson', author_role: 'Deputy Editor, Insurance', primary_category: 'Health Insurance', secondary_category: '', published_date: 'April 29, 2022', updated_date: 'May 31, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '49f352f86f', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( 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0;color:#fff;display:flex;height:60px;justify-content:center;padding:0;text-transform:uppercase}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper.featured-widget .featured-widget-label{height:50px}}#genericProductWidget2021 .cc-wrapper.featured-widget .featured-widget-label .featured-widget-label-txt{color:#fff;font-size:16px;font-weight:600;letter-spacing:2px;line-height:14px;margin-top:-14px}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper.featured-widget .featured-widget-label .featured-widget-label-txt{margin-top:-12px}}@media (min-width:1100px){#genericProductWidget2021 .cc-wrapper.no-rating .facts-wrapper .facts:first-child{padding-left:0}}#genericProductWidget2021 .cc-wrapper .bottom-wrap{align-items:center;display:flex;flex:1 1 auto}#genericProductWidget2021 .cc-wrapper .bottom-wrap .card-rating{margin-right:10px;margin-top:0;min-width:180px}#genericProductWidget2021 .cc-wrapper .bottom-wrap .card-image-wrapper{display:none}@media 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.card-ranking{align-items:center;background-color:#4657a1;border-radius:10px;color:#fff;display:flex;font-family:EuclidCircularB,sans-serif;font-size:24px;font-weight:700;height:50px;justify-content:center;line-height:34px;margin-right:15px;min-width:50px;padding:0 10px 3px 13px}#genericProductWidget2021 .cc-wrapper .card-title-wrap .card-ranking:after{content:"."}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .card-title-wrap{margin-bottom:0}#genericProductWidget2021 .cc-wrapper .card-title-wrap .card-ranking{font-size:20px;height:42px;line-height:28px;margin-bottom:13px;min-width:42px}#genericProductWidget2021 .cc-wrapper .btn-wrap{width:100%}}#genericProductWidget2021 .cc-wrapper:has(.primary-cta-btn-wrap) .secondary-cta-btn-wrap{margin-top:5px}@media (min-width:1024px){#genericProductWidget2021 .cc-wrapper:has(.primary-cta-btn-wrap) .secondary-cta-btn-wrap{margin-top:8px}}#genericProductWidget2021 .cc-wrapper .secondary-cta-btn-wrap .apply-now{background:#fff;border:1px solid #35b782;box-shadow:none;font-weight:700;line-height:30px}#genericProductWidget2021 .cc-wrapper .secondary-cta-btn-wrap .apply-now span{color:#35b782}#genericProductWidget2021 .cc-wrapper .secondary-cta-btn-wrap .apply-now:hover{background:#f3fffa}#genericProductWidget2021 .cc-wrapper .apply-now{align-items:center;background:#35b782;border-radius:8px;box-shadow:0 4px 12px rgba(0,0,0,.2);display:flex;justify-content:center;min-height:64px;padding:10px 20px;position:relative;transition:all .2s ease;width:280px}#genericProductWidget2021 .cc-wrapper .apply-now:focus{outline:0}@media (-ms-high-contrast:none),screen and (-ms-high-contrast:active){#genericProductWidget2021 .cc-wrapper .apply-now{height:64px}}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .apply-now{margin:0 auto;max-width:304px;min-height:56px;width:100%}}#genericProductWidget2021 .cc-wrapper .apply-now:hover{background:#32a274}#genericProductWidget2021 .cc-wrapper 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.cc-wrapper .facts-wrapper .facts:last-of-type{border-right:none;padding-right:0}#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact{font-size:12px;font-weight:700;line-height:18px;margin-bottom:12px;opacity:.6}#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact:before{content:attr(data-attribute-label)}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact{line-height:16px;margin-bottom:0;padding-right:15px;width:50%}}#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact .icon-info{position:relative;top:1px}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact-value-wrapper{margin-top:0;width:50%}}#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact-value{color:#333;font-size:14px;font-weight:500;line-height:130%;margin-bottom:2px}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .facts-wrapper .fact-value{font-size:12px;font-weight:600;line-height:16px}}#genericProductWidget2021 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url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTYiIGhlaWdodD0iMTAiIGZpbGw9Im5vbmUiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PHBhdGggZD0iTS45NTIuOTc3Yy41NC0uNTQgMS40MTUtLjU0IDEuOTU0IDBsNC45NTcgNC45NTZMMTIuODE5Ljk3N2ExLjM4MiAxLjM4MiAwIDAgMSAxLjk1NCAxLjk1NGwtNi45MSA2LjkxLTYuOTEtNi45MWExLjM4MiAxLjM4MiAwIDAgMSAwLTEuOTU0WiIgZmlsbD0iIzNBNUNCMCIvPjwvc3ZnPg==") no-repeat 100%;border-top:1px solid #ebebeb;color:#395bb6;cursor:pointer;display:block;font-size:14px;font-weight:500;line-height:30px;padding:16px 16px 16px 0;text-align:left;transition:background .3s;width:100%}@media (max-width:1023px){#genericProductWidget2021 .cc-wrapper .tab-content-wrapper .accordion-tab{font-size:14px;line-height:24px;padding:12px 16px 12px 0}}#genericProductWidget2021 .cc-wrapper .tab-content-wrapper .accordion-tab:first-of-type{border-top:none}#genericProductWidget2021 .cc-wrapper .tab-content-wrapper .accordion-tab:hover{text-decoration:underline}#genericProductWidget2021 .cc-wrapper 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