Your paycheck is your biggest asset. Are you protecting it?

Your income is your most valuable asset. Short-term and long-term disability coverage from top carriers to keep your finances secure if you cannot work.

Get Your Disability Quote →
No obligation
TCPA certified
Licensed in all 50 states
Carriers We Work With
MassMutualMassMutual
PrudentialPrudential
GuardianGuardian
AetnaAetna
UnitedHealthcareUnitedHealthcare

Disability insurance — what it is and why you probably need it

Disability insurance replaces a portion of your income if an illness or injury prevents you from working. While most people insure their home, car, and health, many overlook the asset that funds all of those things: their ability to earn an income. Statistics show that more than one in four working adults will experience a disability lasting 90 days or longer before reaching retirement age.

Short-term disability (STD) provides coverage for temporary conditions lasting a few weeks to several months. Long-term disability (LTD) covers extended periods of disability that can last years or until retirement. Critical illness insurance provides a lump-sum payment upon diagnosis of a covered condition like cancer, heart attack, or stroke.

Whether you are employed, self-employed, or a business owner, comparing disability insurance quotes from multiple carriers ensures you get the right coverage amount, elimination period, and benefit duration for your specific income and occupation.

  • Short-term disability (STD) coverage
  • Long-term disability (LTD) to age 65+
  • Critical illness lump-sum coverage
  • Own-occupation definition available
  • Business overhead expense (BOE) policies
  • Supplemental coverage for group plan gaps
  • Coverage for self-employed and 1099 workers
  • Residual and partial disability benefits

Why you should shop this one around

The details really matter with disability insurance

Own-occupation coverage

Some policies pay if you cannot perform your specific occupation, while others only pay if you cannot work any job. Own-occupation coverage is significantly more valuable and worth comparing across carriers.

Fill employer gaps

Group disability often replaces only 60% of base salary and is taxable. Individual supplemental coverage can bring your total replacement to 70-80% tax-free, protecting your actual take-home pay.

Self-employed solutions

Individual disability and business overhead expense policies keep your income and business running during recovery. We match self-employed professionals with carriers experienced in non-W2 underwriting.

See what coverage looks like for you

Takes less than 2 minutes. No obligation.

Disability Critical Illness Term Life
Compare Quotes →

By proceeding you consent to be contacted per our Privacy Policy. TCPA compliant.

Dead simple process

No account needed. No credit card. Just answers.

1
Tell us what you need
Pick your product and ZIP code. That's it to get started.
2
Quick qualifying info
A few basic questions so we don't waste your time with plans that don't fit.
3
Advisor calls you back
A real licensed advisor reaches out with actual quotes. Not a bot, not a call center.

Common questions

Short-term disability covers temporary conditions for 3 to 6 months after a brief waiting period of 0 to 14 days. It covers surgery recovery, injuries, and pregnancy complications. Long-term disability starts after short-term ends, providing income for years or until retirement with a 90 to 180 day elimination period. LTD typically replaces 50-70% of income and is considered the more critical coverage for long-term financial protection.
Employer group policies typically replace only 60% of base salary, exclude bonuses and commissions, and benefits are taxable. Coverage ends when you leave your job and is not portable. Individual supplemental disability insurance fills these gaps with portable, potentially tax-free coverage tailored to your total compensation.
Most policies replace 50-70% of gross income. If you pay premiums with after-tax dollars, benefits are tax-free, effectively increasing the replacement value. Combining group and individual policies can bring total replacement to about 80%. Self-employed individuals can insure their net business income.
The elimination period is the waiting time between disability onset and when benefits begin, functioning like a time-based deductible. Common periods are 30, 60, 90, or 180 days. Shorter periods mean higher premiums. Most people choose 90 days as a balance between cost and exposure. Ensure you have savings or short-term coverage to bridge this gap.
Yes, and it is arguably more important since self-employed income stops immediately when you cannot work. Carriers underwrite based on net business income from tax returns, typically using a two-year average. Business overhead expense (BOE) policies can also cover fixed costs like rent, utilities, and employee salaries during your recovery.

Why use InstantHealthQuote

Actually licensed
Series 215 licensed agency operating in all 50 states. Not a lead farm — a real insurance operation.
TCPA certified
Every quote request gets a TrustedForm certificate. Your consent is documented, timestamped, and stored.
We get self-employed
Most disability quotes assume you're a W-2 employee. We work with carriers experienced in 1099 income, business overhead, and own-occupation policies.