Best for Own-Occupation Cover and Professional-Grade Policies
Up to $35,000/month
max benefit for high earners
A++ AM Best
financial strength rating
Best Overall
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Best Income Protection (Disability) Insurance in the USA
Compare long-term and short-term disability insurance from the leading USA carriers. Replace 60–70% of your income if illness or injury keeps you out of work.
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Updated June 2026|7 providers compared|How we rank providers
Best for Competitive Premiums and Strong Claims Record
Benefit periods from
2 years up to age 70
Strong claims-paying record
and A+ AM Best rating
Best Value
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Best for Self-Employed Workers and Small Business Owners
Specialist policies for
self-employed owners
Flexible underwriting for
newer self-employed
Best Self-Employed
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Best for High-Income Professionals and Executive-Level Cover
Own-occupation rider for
medical and legal pros
A++ AM Best
rating with strong dividend history
Best High Earners
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Best for Participating Disability Policies with Dividend Potential
Personal local advisor
from quote to claim
Mutual insurer, eligible
policies pay dividends
Best Dividend Policies
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Best for Employer-Sponsored Group Short and Long-Term Disability
Strong financial ratings
(A+ AM Best)
Both short-term and
long-term disability options
Best Group Cover
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Best for Affordable Short-Term Disability and Supplemental Cover
Fast claims, many
paid within 4 days
Leader in short-term
and supplemental insurance
Best Short-Term Cover
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Providers shown are selected from our panel and ranked using our published methodology. Rankings are editorial and do not represent every provider in the market. How we compare providers
Comparison Genius is a comparison platform and does not provide financial or insurance advice. Quotes are provided by participating carriers and may vary based on underwriting, eligibility and individual circumstances. Products are underwritten by licensed insurance carriers authorized to operate in your state.