Free disability insurance quotes that protect your paycheck.

Yes. Comparing disability insurance through Insurancy is 100% free. There is no cost, no obligation, and no credit card required. We are compensated by the insurance carrier upon policy issue, never by you. You see the same rates a carrier would quote directly.

Short-term disability (STD) replaces a portion of your income for a short period, typically up to 3 to 6 months, with a brief elimination period (often 7 to 14 days). Long-term disability (LTD) takes over after STD ends and can pay benefits for years - sometimes all the way to age 65 or 67. Most professionals need LTD as the foundation, with STD as a useful supplement for shorter gaps.

Own occupation (often "own occ" or "true own occ") means the carrier pays benefits if you can no longer perform the material duties of your specific profession, even if you can work in a different field. It is the strongest definition of disability and is essential for high-income specialists like physicians, dentists, attorneys, surgeons, and executives. "Any occupation" only pays if you cannot work at any job and is more restrictive.

Group long-term disability through your employer is a great start, but it has limits. Most group plans replace only 50% to 60% of your base salary (often capped at $5,000 to $10,000 per month) and exclude bonuses, commissions, and equity. Benefits are taxable when premiums are employer-paid. Coverage usually ends when you leave the job. Individual disability insurance fills the gap, is portable, and pays tax-free benefits.

A common rule of thumb is to replace 60% to 70% of your gross income, including bonuses and commissions if eligible. Most carriers cap benefits to keep you motivated to return to work. Your Insurancy agent reviews your actual income, expenses, savings, and existing group coverage to recommend a benefit amount that protects your lifestyle without overpaying.

The elimination period (also called the waiting period) is how long you must be disabled before benefits begin. Common choices: 30, 60, 90, 180, or 365 days. Longer elimination periods reduce your premium significantly. A 90-day elimination is the most common balance between premium and adequate emergency-fund buffer.

The benefit period is how long the carrier will pay disability benefits if you remain disabled. Options range from 2 years, 5 years, to age 65 or 67. For long-term disability, choosing a benefit period to age 65 is the most common because the financial impact of a permanent disability lasts until retirement age. Shorter benefit periods save premium but leave the longest disabilities under-protected.

Residual (or partial) disability pays a proportional benefit if you can still work but at reduced capacity or earnings, typically when your income drops by 15% to 20% or more. It is essential for self-employed professionals, sales reps, and anyone whose income depends on production. Most modern LTD policies include residual as standard or an inexpensive rider.

Often yes, but conditions may be excluded, rated up, or covered with a waiver. Conditions like back pain, anxiety, depression, and prior injuries are common areas where carriers may exclude or rate. Insurancy works with multiple carriers, and underwriting varies widely - what one carrier declines, another may cover with no exclusion. Your agent shops the market for your specific health profile.

It depends on who paid the premium. If you paid the premium with after-tax dollars (typical for individual policies), benefits are tax-free. If your employer paid the premium (typical for group disability), benefits are taxable income. This is a major reason many professionals supplement employer coverage with an individual policy - the after-tax benefit goes much further.

Insurancy partners with the leading individual disability carriers in the U.S., including Guardian (Berkshire Life), Principal, MassMutual, Mutual of Omaha, Ameritas, Standard, Petersen International (high-limit and impaired-risk), Lloyd’s of London, and others. Your licensed agent shops the market for your occupation class, age, and income.

Yes, even more than W-2 employees. Self-employed professionals, freelancers, and 1099 contractors do not have employer-sponsored group disability or paid sick leave. Your income stops the moment you cannot work. Individual disability insurance is the cornerstone of any self-employed financial plan and lets you protect against a 6-month, 5-year, or career-ending disability.

BOE coverage is a separate policy for self-employed professionals and small business owners that pays your business overhead - rent, payroll, utilities, loan payments - if you become disabled and cannot work. It is designed to keep the business open and pay employees while you recover, separate from personal disability income. Common in medical, dental, and law practices.

A Disability Buy-Sell funds a Buy-Sell agreement between business partners if one partner becomes permanently disabled. The benefit is used to buy out the disabled partner’s ownership share, so the remaining partners get full control and the disabled partner gets a fair price. Without this coverage, businesses can be tied up for years.

Most professionals complete the Insurancy form in about 3 minutes. A licensed agent then contacts you with side-by-side quotes - usually within the same business day. Underwriting for individual disability is more involved than for life insurance and typically takes 2 to 4 weeks because carriers carefully review occupation, income, and health.