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Compare over 37 Disability Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Disability Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
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Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Disability Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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"I lost hope trying to find a Disability Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Disability Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family’s financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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With PolicyHub getting started is easy. Compare all the Disability Insurance rates from all the providers Near Me. Get started in under 15 minutes.
All your Disability Insurance needs in one place.
Disability Insurance, sometimes known as income protection, is a type of insurance that provides financial support if you become unable to work due to illness or injury. It's designed to replace a portion of your income, typically between 40% and 70%, when you can't work and earn money due to a disability. By doing so, it safeguards you from the potential financial strain that can arise during such circumstances, ensuring you can still meet your financial commitments.
The key feature of Disability Insurance is its flexibility and adaptability to unique needs. Policies vary by coverage period, wait time before benefits begin, and the definition of disability — whether the policy covers you if you can't perform your specific job, or any job at all. Some policies may offer additional benefits, such as coverage for rehabilitation costs or partial disability.
Investing in Disability Insurance often provides peace of mind, acting as a safety net, allowing you to focus on your health and recovery without the added stress of financial worries. It's an overlooked form of insurance, yet arguably among the most essential, considering data suggests that a 20-year-old worker has a 1-in-4 chance of becoming disabled before reaching retirement age. It's a crucial financial tool that can be tailored to meet your needs and provide financial security when you need it most.
Save time and get the best Disability Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Disability Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Disability Insurance agent.
Roy Stephens
disability insurance agent
Roy Stephens is a disability insurance agent licensed in your state.
Mark Sidway
disability insurance agent
Mark Sidway is a disability insurance agent licensed in your state.
Cale Reeves
disability insurance agent
Cale Reeves is a disability insurance agent licensed in your state.
"I was searching for Disability Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you’re getting the best price for Disability Insurance.
Frequent Questions...
Disability insurance is a type of coverage that provides financial support in the form of regular payments to an individual who is unable to work due to a disabling injury or illness. This type of insurance is essential for providing financial security when you are unable to earn an income, which is why understanding what is disability insurance is so important.
Who needs disability insurance?
Anyone who relies on their income to support themselves or their family should consider disability insurance, especially if they don't have significant savings or other sources of income. Even if you are young and healthy, disability insurance can be a wise precaution as accidents or illnesses can happen unexpectedly.
What are the two main types of disability insurance?
The two main types of disability insurance are Short-Term Disability (STD) and Long-Term Disability (LTD). STD provides benefits for a short period, typically 3 to 6 months, while LTD covers a longer period, often up to retirement age. Short term disability insurance is often used to cover temporary injuries or illnesses, while long term disability insurance is designed for more severe and lasting conditions.
How is the amount of disability benefit determined?
The benefit amount is usually a percentage of your pre-disability earnings, often ranging between 60% and 80%. The specific percentage and terms are outlined in your policy. This is a key aspect to consider, alongside other factors like premiums and waiting periods, when comparing different disability insurance options.
How long do I have to wait before receiving benefits?
The waiting period, or elimination period, is the time between when a disability occurs and when benefits begin. This period can vary from a few days to several months, depending on your policy. It’s important to plan for this period financially, as you may need to rely on savings or other resources during this time.
Generally, if you pay the premiums with after-tax dollars, the benefits you receive are tax-free. If your employer pays for your policy and doesn't include the premiums as taxable income, the benefits may be taxable. Consulting with a tax professional can provide clear guidance on your specific situation.
Can I be denied for disability insurance based on a pre-existing condition?
It is possible. Some insurers may exclude coverage for conditions that were diagnosed or treated within a certain period before the policy starts, or they may increase the premiums. This is a crucial factor to review when applying for disability insurance, especially if you have a known health condition.
What is the difference between disability insurance and workers' compensation?
Disability insurance provides income if you are unable to work due to an illness or injury, regardless of where it occurs. Workers' compensation provides benefits only if the illness or injury is work-related. It's worth noting that some people may opt to have both types of coverage to ensure comprehensive protection.
Can I buy disability insurance if I am self-employed?
Yes, self-employed individuals can purchase individual disability insurance policies to protect their income, and they are often specifically designed for the unique needs of the self-employed. In some areas, self-employed individuals may also be eligible for state disability insurance programs.
How much does disability insurance cost?
The cost of disability insurance varies based on factors like your age, health, occupation, income, and the specific terms of the policy. It is generally recommended to consult with a financial advisor or insurance agent to get an accurate quote. Additionally, some individuals may choose to name a life insurance beneficiary disability clause in their policy, which can dictate how benefits are managed in the event of a disabling condition.
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