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5 Best Disability Insurance Companies

Jodie Price

By Jodie Price | Updated October 3, 2025

The best disability insurance providers of 2025 offer reliable income protection if illness or injury prevents you from working. With flexible options, clear terms, and strong support, they make it easier to find a policy that fits your budget and safeguards your financial future.

  • Mutual of Omaha

    Labeled as “Best Overall,” Mutual of Omaha offers a maximum benefit of $20,000 per month with flexible elimination periods of 30, 60, 90, 180, 365, or 730 days. Benefit length options range from 6 months to 10 years, or until age 65, 67, or 70. This flexibility makes it a strong choice for tailoring coverage to individual needs.

    Editor’s Take

    Mutual of Omaha’s Mutual Income Solutions policy offers flexibility with benefits that start as low as $300 per month. You can choose short-term coverage, such as a 6-month benefit period, or long-term options that extend up to 10 years or even age 70. Issue ages range from 18 to 61, giving a wide eligibility window.

    The policy includes helpful riders, such as a return of premium rider that refunds 50% or 80% of premiums every 10 years (minus claims), and a True Regular Occupation rider that pays full benefits if you can’t work in your occupation, even if you take another job. A Residual Disability rider is also available, offering partial benefits if you’re only partially disabled.

    Additional perks include a two-person household discount if both you and your spouse or partner apply. With options for both affordability and comprehensive protection, this policy is designed to meet a variety of coverage needs.

    Drawbacks

    Premiums with Mutual of Omaha can be higher than some competitors, particularly if you select longer benefit periods or add optional riders. This may make coverage less budget-friendly for those looking to keep costs down.

    The policies often require medical underwriting, meaning you may face health questions or physical exams before approval. This can be a challenge if you have pre-existing conditions. Additionally, availability and rider options can vary by state, limiting flexibility in some areas.

    Another drawback is the limited access to online quotes. In many cases, you’ll need to work with an agent to receive detailed pricing, which can make the process slower compared to insurers that offer a fully digital application experience.

  • MassMutual

    Recognized as “Best for Retirement After a Disability,” MassMutual provides a maximum benefit of $30,000 per month, though it is capped at $20,000 in California and Florida. Elimination period options include 60, 90, 180, 365, or 730 days, with benefit lengths of 2 years, 5 years, 10 years, or up to age 65, 67, or 70. This flexibility makes it well-suited for long-term financial planning.

    Editor’s Take

    MassMutual’s Radius Choice policy stands out for offering generous disability benefits, including a high maximum monthly benefit of up to $30,000 in most states. Long benefit periods are available, extending up to 10 years or even to age 70, giving you strong long-term protection.

    The RetireGuard Rider protects your retirement savings by covering both your contributions and your employer’s match if you become disabled. A 10% spousal discount is also available, which can make coverage more affordable for households.

    In addition, short-term disability riders are offered, which can be useful if your workplace doesn’t provide this type of coverage. Policies are generally issued to individuals ages 18 to 64, with slightly different eligibility in Florida, where the limit is 60.

    Drawbacks

    You might find fewer online tools compared to some newer insurers. MassMutual relies heavily on its advisor network, which means you will often need to work directly with an agent to get quotes or apply. This can slow down the process if you prefer a fully digital experience.

    Its disability insurance can also be more expensive than some competitors, especially if you want longer benefit periods or higher coverage amounts. The company’s focus on comprehensive protection sometimes comes with higher premiums.

    Availability may differ by state, and certain riders or customization options are not always offered everywhere. If you want maximum flexibility or the lowest cost, you may need to compare MassMutual with other top carriers before making a decision.

  • Ameritas

    Rated as “Best for Discounts,” Ameritas offers a maximum benefit of up to $30,000 per month, with the amount depending on your occupation. Elimination periods start at 30 days and vary based on your benefit level. Benefit length options include 1, 2, or 5 years, 10 years, or coverage extending to age 65 or 67.

    Editor’s Take

    The Ameritas DInamic Cornerstone Income Protection policy offers flexible options for coverage, with benefits up to $30,000 per month. You can also qualify for discounts, such as reduced premiums if you haven’t used tobacco in the past year. A one-year benefit period is available for those who only need short-term protection.

    The policy includes eight riders, such as a student loan rider that helps cover loan payments during disability. It also provides three definitions of “disability,” allowing you to customize when benefits would be paid, which adds flexibility to your coverage.

    Ameritas issues policies to individuals ages 18 to 64, which is broader than many competitors that cap eligibility at age 60. With its mix of riders, discounts, and flexible benefit options, it can be a practical choice for a wide range of needs.

    Drawbacks

    Ameritas disability insurance is not available in every state, which may limit your ability to purchase a policy. You should confirm availability before spending time comparing options.

    The company’s disability products may not offer the same level of customization as larger insurers like MassMutual or Principal. For example, some specialized riders and higher monthly benefit maximums are not always available.

    In addition, customer service reviews are mixed. Some policyholders report smooth claims handling, while others experience delays and communication problems. If responsive service is a priority, this is something to weigh carefully when comparing providers.

  • Assurity

    Rated as “Great for Riders,” Assurity offers a maximum benefit of up to $20,000 per month, depending on your occupation. Elimination period choices include 30, 60, 90, 180, or 365 days. Benefit lengths range from 5 or 10 years, with options extending to age 65 or 67.

    Editor’s Take

    Assurity’s Century+ policy is designed to be flexible, offering a wide range of riders that allow you to customize coverage. With up to 10 riders available, including a critical illness rider and a return of premium rider, you can tailor benefits to meet your personal needs.

    The policy also supports easy access with online quotes, making it simpler to compare and apply without extra steps. This convenience helps streamline the decision-making process for busy applicants.

    Eligibility ranges from ages 18 to 60, providing coverage options for a broad group of individuals. With its strong rider choices and accessible features, the Century+ policy stands out for those who want adaptable protection.

    Drawbacks

    You should be aware that Assurity does not have the same brand recognition as some of the largest national insurers. This can make it harder to compare its offerings directly against bigger competitors unless you work with an agent familiar with multiple carriers.

    The company’s digital tools are more limited than those of larger insurers. You can use basic account features online, but the mobile app may not offer the same functionality or real-time claim tracking as other companies.

    Another drawback is that availability of certain products can vary by state. This means you might not have access to the exact policy design you want depending on where you live. In addition, underwriting can be stricter for applicants with health issues, which may limit your options if you have pre-existing conditions.

  • Principal

    Labeled as “Great for Quick Coverage,” Principal provides a maximum benefit of $35,000 per month. Elimination period options include 60, 90, 180, or 365 days. Benefit lengths range from 2 or 5 years, with extended choices up to age 65, 67, or 70.

    Editor’s Take

    The Principal Income Protector policy is for high earners and provides a monthly benefit of up to $35,000, which is more than many competitors. Approval can be quick, especially for applicants under 51 seeking up to $10,000 in benefits, thanks to a simplified underwriting process.

    Coverage is available to individuals working more than 20 hours a week. Optional riders add flexibility, including the True Own Occupation rider, which allows you to receive benefits even if you take on a different occupation after disability.

    You can also include a death benefit rider, providing a lump sum to beneficiaries if you pass away while receiving disability benefits. Online quotes are available, making it easier to explore options and apply.

    Drawbacks

    Principal’s disability insurance may not be as widely available as some competitors, since policy options vary by state and certain plans are offered only through employer programs. This can limit flexibility if you’re looking for a specific type of coverage.

    Premiums for individual policies also tend to be higher than average, especially when adding riders for extra protection. While these options provide useful customization, they can raise the overall monthly cost.

    Another limitation is that Principal may lack some niche features found in specialized disability insurers. The company is financially strong, but its disability division is smaller than its retirement and investment services, leading to fewer product options and less focus on disability insurance.

Frequently Asked Questions

Which disability insurance providers offer the best policies for self-employed individuals?

If you are self-employed, you should look for insurers that allow flexible income verification and offer strong long-term disability benefits. Companies that provide customizable elimination periods and benefit periods are often better suited for business owners or freelancers. Consider insurers that provide optional riders for partial disabilities, as your income may fluctuate monthly.

What are the most recommended disability insurance options for medical professionals?

Medical professionals often need higher benefit amounts and longer benefit periods. Some insurers specialize in policies for doctors and dentists that protect against loss of income if you cannot work in your specific specialty. Policies with shorter waiting periods and permanent disability coverage are particularly important in medical fields, as even minor injuries can impact your ability to work.

How do the largest disability insurance companies compare in terms of customer satisfaction?

Large national insurers are often rated on claims processing speed, customer support, and policy flexibility. You should review independent surveys and consumer ratings to see how each company performs in real situations. Customer satisfaction usually improves when companies provide clear communication about waiting periods and policy exclusions.

Which companies are known for providing the most comprehensive long-term disability coverage?

The best long-term disability insurers typically offer benefit periods that last until retirement age. They may also provide inflation protection and coverage for both total and partial disabilities. Comprehensive plans may allow you to extend the elimination period to reduce your insurance premium while still safeguarding your long-term income.

What should consumers look for when choosing short-term disability insurance plans?

When choosing short-term disability insurance, pay close attention to the waiting period, as shorter waits provide quicker access to benefits if you can’t work. It’s also important to compare the maximum benefit period, which may last from a few months up to a year. Premiums will vary depending on these features.