Your income is your most valuable asset.
Disability insurance replaces up to 60% of your salary if you can't work — keeping your family financially secure while you recover.
1 in 4
workers will experience a disability before retirement
Social Security pays an average of $1,358/mo — enough to get by?
Source: Social Security Administration
- 1 in 4
- workers disabled before 65
- SSA, 2023
- 90 days
- average short-term disability length
- Council for Disability Awareness
- $1,358
- average monthly SSDI benefit
- Often not enough to cover a mortgage
- 50+
- carriers on our platform
- A-rated, licensed in all states
How it works
Get real quotes from top carriers in about 3 minutes.
Tell us about your work
We ask about your occupation class and monthly income — the two biggest factors in disability pricing.
Choose your coverage
Pick your elimination period (how long before benefits start) and benefit period (how long they last).
Compare carrier quotes
Instant quotes from Guardian, Principal, The Standard, and more — all A-rated, Back9-powered.
Coverage details
What it covers
- ✓Lost income during a covered disability — illness or injury
- ✓Own-occupation policies pay if you can't do YOUR specific job (not just any job)
- ✓Short-term options (90-day benefit) or long-term through age 65
- ✓Non-cancelable policies lock in your rate and coverage — carrier can't raise premiums
Who needs it
- ✓W-2 employees whose income would stop if they couldn't work
- ✓Self-employed professionals — no employer short-term disability to fall back on
- ✓Business owners who are the primary revenue driver
- ✓Military separating from service transitioning to civilian income
- ✓Anyone with a mortgage, student loans, or dependents relying on their income
Understanding elimination & benefit periods
These two choices drive most of the premium difference. Here's what they mean in plain English.
Elimination Period — how long before benefits start
| Elimination Period | What it means | Best for |
|---|---|---|
| 30 days | Coverage starts in 30 days | High earners who need fast coverage |
| 60 daysPopular | Most common option | Good balance of cost and coverage |
| 90 days | Lower premium | Those with 3 months of savings |
| 180 days | Lowest premium | Strong emergency fund, high income |
Benefit Period — how long benefits last
| Benefit Period | Coverage Duration | Premium Impact |
|---|---|---|
| 2 Years | Short-term bridge | Lowest |
| 5 Years | Mid-range protection | Moderate |
| 10 Years | Extended protection | Higher |
| To Age 65 | Full career protection | Highest — recommendedBest |
Disability insurance products are subject to underwriting approval and vary by carrier, state, and individual health and occupational factors. Quotes shown are illustrative estimates only and do not constitute an offer of coverage. Final premiums are determined after full underwriting review. VeraLife Insurance Group is a licensed insurance broker and does not underwrite insurance policies. Coverage is not in force until a policy is issued and the first premium is paid.