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Disability Insurance

We power
passionatescrappyhard-workinginnovative
workers when they can’t work.

From software engineers to construction workers, our individual and employer-sponsored insurance plans help people replace lost wages in the event of a short-term disability, long-term disability, or critical illness.
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the balance logo2022 Most Affordable
Disability Insurance
investopedia logo2022 Best Long-Term
Disability Insurance
CA DI Badge
real simple logo2022 Smart Money Award Winner
the balance logo2022 Most Affordable
Disability Insurance
investopedia logo2022 Best Long-Term
Disability Insurance
CA DI Badge
Compare rates from the best disability insurance companies — all in one place.
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With our team of disability insurance experts,
protecting your income couldn’t be easier.faster.more affordable.more secure.

For Individuals

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Apply Online
Short-Term
Disability Insurance
Pays you direct weekly benefits that
can start immediately and last up to 2
years if you become too sick or
hurt to work.
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Apply Online
Long-Term
Disability Insurance
Pays you direct monthly benefits in
as little as 30 days that can last up
to retirement age if you become
too sick or hurt to work.
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Apply Online
Critical Illness
Insurance
Pays you a direct lump-sum benefit
up to $75,000 if you are diagnosed
with cancer, heart attack, stroke, or
another covered critical illness.
For Employers
Employer-Sponsored
Disability Insurance
Set up a portable group disability
insurance program that pays up to $1,500
per week in benefits to your employees for
up to 26 weeks in the event they become
too sick or hurt to work.
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Our customers love us
Thousands of
policyholders, agents,
and brokers trust Breeze
for their income
protection needs.
Affordable, fast, and efficient! No nonsense!

My experience with Breeze has been just that — a breeze! I’m so satisfied with the affordable premiums and simplified online enrollment process.

Katlain P.
Breeze Policyholder
All of this is great but...
Do I really need disability insurance?
The numbers say yes.
Why gamble?

Whether you fix roofs or fill cavities, your source of income matters. And you have a right to continue earning it if injury or illness prevents you from working.

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25%

Percent of Americans who will experience a disability in their careers before retirement (U.S. Social Security Administration, Fact Sheet, 2018)

90%

Percent of long-term disabilities that result from illnesses rather than accidents (Council for Disability Awareness, 2018)

70%

Percent of working Americans that couldn't make it a month without a paycheck before experiencing financial hardship (Life Happens survey, 2018)

Get Up To Speed
Learn more about
disability insurance.
Last updated January 18, 2023

What is Disability Insurance? 2023 Guide

jack wolstenholm headshotJack Wolstenholm

Disability insurance protects your income if injury or illness limits your ability to work. Also known as disability income insurance and income protection insurance, it can replace a portion of your earnings while you are disabled.

Last updated January 13, 2023

2023 Long-Term Disability Insurance Guide

jack wolstenholm headshotJack Wolstenholm

Long-term disability insurance is a form of income protection that is designed to cover serious ailments that may last several months or even years. Permanent disabilities are also covered by long-term disability insurance.

Get started online — anytime, anywhere.

(Seriously, it's a breeze.)
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