Disability Insurance Quotes

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Matt R.

Every part of the process from quoting to applying for insurance was easy, fast and efficient. Customer service was fantastic.

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Individual Disability Insurance

How it works

  1. Get Disability Insurance Quotes in Seconds

    Answer a few simple questions
    to get your personalized rate.

  2. Apply Online in Minutes

    Take 10 minutes to apply from
    your computer or mobile device.

  3. Get a Fast Decision

    If you’re eligible, you can
    receive coverage on the spot.

Disability Insurance Calculator

Get your disability insurance
quotes in seconds. Seriously.

Answer a few questions to get personalized quotes using our long term disability insurance cost calculator. We help educate you on how disability insurance works and what to look for in a policy.

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Anna

Breeze made this whole process easy, quick turnaround! Highly recommend this service to anyone. Thanks, Breeze!!

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Digital Application

Apply online.
Anytime, anywhere.

Whether you’re in line at Starbucks or sitting behind your computer at work, access our online application that typically takes less than 10 minutes to complete.

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Summer N.

It only took me about 15 minutes to complete the application and I did it at work on my phone. The fun facts were a nice touch!

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Ultimate Convenience

Expect fast decisions. Even instant coverage.

We pride ourselves in working quickly through
the use of technology. That’s our secret sauce.

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Adrienne F.

Totally worth the money. This is a great company with real people and excellent customer service!

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Amazing customer support

Disability insurance experts at your service.

Questions? We will help you get answers. And we will be with you every step of the way, from quote to policy.

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C. Turner

Great responsive experience. CEO even called to follow-up and get feedback. Very customer centric team.

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Go ahead. Check your rate.

(Seriously, it’s a breeze.)
Everything you need to know

Disability Insurance
Resource Center

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What is disability insurance?

Disability insurance protects your source of income if injury or illness limits your ability to work. Also known as disability income insurance and income protection insurance, it is designed to replace a portion of your monthly earnings while you are disabled. There are various types of disability insurance, such as short term and long term disability insurance, and ways to get coverage, like as an individual and as part of a group.

Learn more about how disability insurance works.
How much does disability insurance cost?

Typically, it is recommended that working individuals spend between 1 percent and 4 percent of their annual income on disability insurance. It’s possible that you pay more or less than those ranges depending on your coverage needs. How much you pay in disability insurance premiums is based on the likelihood of you filing a claim. There are a number of factors that disability insurance carriers use to determine your risk level.

Learn more about the cost of disability insurance.
How much disability insurance do I need?

We recommend taking inventory of your monthly obligations, necessities, and investing activities to calculate your coverage needs. Obligations include mortgage/rent payments, student loan payments, credit card payments, and any other monthly debt obligations. Necessities include utilities, groceries, gas, and any other recurring expenses for you and your dependents. You will also want to consider the amount of emergency savings that you already have.

Learn more about assessing your disability insurance needs.
How do I get disability insurance?

If you are currently employed, there are a couple of different ways to get disability insurance. You can join a group disability insurance plan if it offered by your employer, but this type of coverage has a number of limitations. Whether you have group coverage or not, the best way to protect your income is with an individual disability insurance plan from a private insurance company. This will require you to apply and go through an underwriting process to determine whether or not you qualify.

Learn more about how to get disability insurance.
Is disability insurance tax-deductible?

No matter how much (or how little) you spend on disability insurance, it’s important to understand the tax treatment of individual coverage. The monthly disability insurance premiums that you pay for a personal policy are not tax-deductible. However, any disability insurance benefits you receive as the result of a disabling injury or illness will be treated as tax-free income since you are paying for coverage with after-tax dollars.

Learn more about the tax treatment of disability insurance.
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Long term disability insurance

Long term disability insurance is the most complete form of income protection available. It is designed to cover serious ailments that may last several months, years, or even permanently. With long term disability coverage, benefits typically begin 90 days after a disabling event occurs and last for five years.

Learn more about long term disability insurance.
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Short term disability insurance

Short term disability insurance is a type of income protection for temporary injuries and illnesses. It is ideal for disabling events that may limit the ability to work, but people generally recover from. For short term disability coverage, the waiting period is typically 14 days and benefits generally last six months.

Learn more about short term disability insurance.
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Individual disability insurance

Individual disability insurance is personalized coverage that you own. Disability insurance for individuals can be long term or short term, and it only protects your source of income from injuries and illnesses that may limit your ability to work. This type of income protection is also commonly referred to as private disability insurance and personal disability insurance.

Learn more about individual disability insurance.
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Group disability insurance

Group disability insurance is a type of income protection that covers more than one individual and their ability to earn an income. In a group disability insurance plan, the members of a particular group, organization, or company are all offered the opportunity to receive coverage. Like an individual plan, group disability coverage can be long term or short term

Learn more about group disability insurance.
What disability insurance riders do I need?

No individual disability insurance policy is one-size-fits-all. Disability insurance riders help customize a policy to fit a person’s personal needs and preferences. The additional benefits that make sense for one person may be completely unnecessary for the next.

Learn more about disability insurance riders.
Does disability insurance require a medical exam?

Most long term disability insurance carriers have special programs that enable applicants to skip the standard medical exam during underwriting. Insurers offer this option to select applicants as a way to save on the cost of conducting an exam and sending samples to a lab. These programs are often restricted to certain occupations, benefit amounts, and age limits.

Learn more about no exam disability insurance.
Which is better: own-occupation or any-occupation coverage?

An own-occupation disability insurance policy protects your ability to work in your specific profession. You will be covered if a disability prevents or limits you from working the exact job you had before you became disabled. Under an any-occupation policy, you will only receive benefits if you are unable to work in any capacity.

Learn more about own-occupation vs. any-occupation.
Why do I need individual coverage if I'm covered through work?

Employer-sponsored coverage is a great start, but it may not be enough to maintain your lifestyle if you become disabled. Most group plans only cover a small percentage of your income. Additionally, any benefits you receive from your employer plan will be taxed as ordinary income if you become disabled. On the other hand, the benefits you receive from an individual policy will be tax-free since the premiums are paid with after-tax money.

Learn more about supplemental disability insurance.
Aren't I already covered through workers' compensation?

If you are injured or become ill on-the-job and miss work, you may receive benefits to cover partial lost wages, as well as medical bills or rehabilitation costs. Unlike disability insurance, workers' comp does not cover injuries and illnesses experienced outside of work.

Learn more about workers' compensation insurance.
What about Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a federal, payroll-tax funded program. SSDI is designed to provide supplemental income to people who are physically restricted from working due to disability. However, it's very difficult to get and the monthly benefit amount is typically much less than what most people need to maintain their way of life prior to becoming disabled.

Learn more about Social Security Disability Insurance.
Is state disability insurance available where I live?

In addition to individual and group disability insurance, you may also be covered by state disability insurance if you live in one of the following states: California, Hawaii, New Jersey, New York, and Rhode Island. These five states require employers to provide disability insurance coverage for injuries and illnesses experienced outside of work.

Learn more about state disability insurance.
Should I get mortgage disability insurance when buying a home?

Mortgage disability insurance is similar to long term disability insurance in that it provides a benefit in the event you can’t work due to injury or illness. The difference is that the benefits provided by this type of policy only cover your mortgage payments. It does not pay a percentage of your pre-disability income, making this a far less beneficial form of coverage to have.

Learn more about mortgage disability insurance.
Accountants

Certified Public Accountants (CPAs) typically fall in the highest occupation class. Non-CPAs with a four-year accounting degree will generally be rated in the highest or second-highest class, depending on the insurer. Auditors are also rated high, though not as high as CPAs. Bookkeepers and other accountants without degrees tend to fall in the middle of rating categories.

Learn more about disability insurance for accountants.
Architects

Architects are typically rated in the highest occupational class by disability insurance companies. This means companies consider the architecture profession low-risk from an underwriting standpoint. As a result, architects may pay less for coverage than those in other occupations and even in related roles, such as the construction workers who are on job sites all day.

Learn more about disability insurance for architects.
Consultants

Because consultants cover a wide range of tasks, specialties, and industries, insurance carriers vary on how they rate the occupation. Disability insurance companies typically rate consultants from a 3 to a 5. Some companies offer different classes based on income levels. Others classify consultants based on the industry they primarily consult in, such as human resources or healthcare.

Learn more about disability insurance for consultants.
Doctors

For doctors, occupational classifications can vary widely by medical specialty and insurance company. In general, the medical specialties that are placed in the highest-risk occupational classes are those that regularly engage in high-risk practices or that have strenuous manual duties. Examples include anesthesiologists, registered nurses, and podiatrists.

Learn more about disability insurance for doctors.
Lawyers

Most disability insurance companies place lawyers in their highest occupational rating class, indicating that the risk of a lawyer filing a disability claim is relatively low. It also means that attorneys will generally pay lower rates than other professions.

Learn more about disability insurance for lawyers.
Nurses

Insurers with five classes typically rate nurses as a 2. Those with six classes place nurses in their 3 rating class. CNAs and some home health providers may be rated lower than other types of nurses. Some insurers will rate nurses higher (meaning less risky) who work in doctors offices and clinics than those who work in hospitals, nursing homes, hospice facilities, or in-home health care.

Learn more about disability insurance for nurses.
Self-employed

Underwriting can be a challenge for insurance companies when an applicant is self-employed. There’s a big difference between how a disability would affect a home-based sole-proprietor versus an owner of a 50-person construction company. Likewise, many injuries and illnesses will affect a self-employed accountant’s ability to work differently than a self-employed mechanic.

Learn more about disability insurance for self-employed individuals.
Software engineers

Insurers tend to rate software engineers in their highest occupational class. This means they consider the profession lower risk for disability claims than other vocations. It also means they will pay less for coverage than others with similar underwriting attributes. Some insurance companies may knock software engineers down a class or two based on education level or annual salary.

Learn more about disability insurance for software engineers.
Startup employees

If the startup you work for operates in a white-collar industry, you will likely have an occupation rating in the upper half of the insurer’s rating classes. For example, some insurers have a classification for office workers. Lower-earning workers may be rated a 3 out of 5 classes or a 4 out of 6. Higher-paying managers and executives are often rated in the highest classes, either a 5 or 6.

Learn more about disability insurance for startup employees.
Teachers

For teachers, occupational classes can vary by insurance company, so it’s important to research different options. Some companies rate teachers at the elementary and high school levels lower than principals and administrators. Those who teach standard academic subjects may be classified as a 3 out of 5 classes, a 5 out of 6, or a 4 out of 6.

Learn more about disability insurance for teachers.
Does disability insurance cover pre-existing conditions?

Most long term disability insurance companies do not cover pre-existing conditions. However, individuals with pre-existing conditions may be extended an offer for coverage that stipulates any current or future disability stemming from a current or past condition will not be covered. This will be stated in the policy's exclusions and limitations.

Can you explain the Breeze process in more detail?

First, enter your basic info to get a quick disability insurance quote featuring real rates with built-in coverage recommendations. You have the ability to choose your coverage amount and any extra features you may or may not want on your policy. Once you are satisfied with your coverage options, you can apply directly online, enter your payment info, and sign your final documents. We use technology that allows us to approve or deny coverage on the spot for some applicants. However, you may be subject to additional follow-up questions and/or a medical exam before a decision can be made.

Why do I have to enter my payment info so early?

In order to move forward with your application, we require that you put a credit card on file. You will not be charged until you have accepted your coverage offer and your plan has been issued. Breeze is committed to full pricing transparency. There are no hidden fees, period.

If I become disabled, do I need to keep paying premiums?

No. If you become disabled, we will waive your monthly premium as soon as your monthly disability benefits begin to payout. That's why it's important that you always make your full monthly payments in case you need to file a claim for disability benefits later on.

Can my policy be canceled without my consent?

As long as you pay your monthly premiums on-time and in-full, your policy can never be canceled without your consent. Policies offered through Breeze are non-cancelable and guaranteed renewable until you turn age 65 or 67 (depending on the benefit period selected).

Go ahead. Check your rate.

(Seriously, it’s a breeze.)