5 Best Disability Insurance in 2024: A Comprehensive Guide

Madeline Hlobik
Madeline Hlobik1 Jan 2024
Reviewed and Fact Checked ✔️

Disability insurance is an insurance plan that will pay some of your income if you become disabled due to an illness or injury and takes you away from work. Essentially, you will have an extra layer of financial protection. Various plans are available; however, based on our research, we have found that Guardian provides the best overall disability insurance plan. 

Health insurance plans can become expensive, especially if your work does not provide a financially affordable plan or you are unemployed. Introducing Mira— a healthcare alternative that can enable you still to receive access to urgent care visits, lab testings, and up to 80% off on prescriptions over 1000 unique prescriptions. Sign up to get started.

5 Best Disability Insurance

You can purchase disability insurance from employer-sponsored coverage at work, private insurers, and public programs such as the Social Security Administration (SSA). To access your disability insurance, though, you must first be qualified as having a disability. Different plans have their own individual specifications as to what they consider a disability. However, according to the SSA, you may qualify as having a disability if you cannot do substantial, meaningful work for at least one year. 

Individuals may choose to have a disability insurance plan to protect them financially should they have an unexpected injury or illness outside of work that prohibits them from working. Although you may be unable to work for weeks due to this accident, with a disability plan, you still will receive some portion of your income.

With the wide variety of options to purchase a disability insurance plan comes several different types of plans, from short-term to long-term. To better navigate the vast and unique amount of disability insurance available, we have composed this guide to make the process of electing disability insurance easier for you. Check out this table below with the type of disability insurance and when to use it. 

  • Guardian: Best Overall
  • Mutual of Omaha: Best Short-Term Disability Insurance
  • Northwestern Mutual: Best Long-Term Disability Insurance
  • Assurity: Best for High-Risk Occupations
  • Breeze: Most Affordable
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Madeline Hlobik

Madeline is a Senior at UCLA majoring in Human Biology & Society with a minor in Spanish. She's currently a Healthcare Research Analyst at Mira, writing content for the blog to help the public better understand certain medical issues, technologies, testings, and the importance of healthcare.

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