Title: Individual Disability Insurance Quotes [Online Comparisons]
Headings: Individual Disability Insurance Quotes [Online Comparisons]
Individual Disability Insurance Quotes [Online Comparisons]
Short-Term Disability Insurance Quotes
Instant Estimate
Pregnancy Coverage
Long-Term Disability Insurance Quotes
Good Investment
Policy Comparisons

Content: A permanent medical condition can obliterate decades of earning power and jeopardize your ability to honor student loan, mortgage, and car loan payments that support your lifestyle. Request a quote (Sponsored Link) to compare having peace of mind to relying on Social Security benefits. Good Investment
A quote for an individual long-term disability policy can illustrate whether this type of coverage offers a good investment or not. High-income professionals often find the most significant value for multiple reasons. Social Security covers permanent medical conditions while leaving two gaping holes
It does not honor claims if you can perform any work (it does not have an own occupation definition)
The monthly amounts provide subsistence-level income ($1,100 for SSDI), which would not support hefty student loan payments
A private policy fills the two enormous SSDI gaps and more
An “Own Occupation” disability definition protects doctors, dentists, and lawyers who can no longer work in their high-income profession
Monthly benefit amounts of $10,000 or higher protect a more substantial portion of wages
Business overhead expense benefits allow private medical, dental, and legal practices to cover rent and other fixed obligations
Policy Comparisons
Finally, take advantage of our partner-supported online quotes to determine which type of individual disability insurance makes the most sense to buy. Compare the fixed upfront premium costs of each policy type to the possible future claim payments. Temporary disabilities occur more frequently and can wipe out a family living without an emergency fund. Meanwhile, permanent medical conditions are rare but hurt professionals with significant obligations the most. Short-Term
Long-Term
Monthly Amount
Up to 66%
$6,500 max
Up to 66%
$10,000 max
Elimination Period
7 days to 6 months
3 months to 2 years
Benefit Period
3 months to 2 years
5 years to Age 65
Business Overhead
No
Yes