Protect your paycheck

Disability insurance typically costs just a fraction of your income, and means you're covered if you become hurt or sick.

Protect your paycheck

Disability insurance typically costs just a fraction of your income, and means you're covered if you become hurt or sick.

Types of disability coverage

Short-term disability*

Usually covers you for 3-6 months, but some policies can cover you for up to a year.

Insurance for business owners

This is my second time using Policygenius. The first time was for term life insurance and this time for individual disability insurance. I can’t say enough good things about this service. It is extremely easy to work with them and they do a great job of identifying and explaining all the options of the available policies to help you choose.

Find your best quote in minutes

Compare life insurance options to protect your business with help from our licensed agents. 

Availability of policies and insurers varies by state and may be based on eligibility. Curious about other prices or claims in our ads? Additional details are available on our Disclosures page.

Marketing disclosures

Get free consultation

Long-term disability

Can pay benefits for a few years or up to retirement age, you choose

Talk to a licensed agent

Our team is ready to help you explore and understand coverage options personally suited to your specific needs.

"

Norman M.

Policygenius customer

Key person coverage

Usually covers you for 3-6 months, but some policies can cover you for up to a year.

Buy-sell agreement

Can pay benefits for a few years or up to retirement age, you choose

Our team is ready to help you explore and understand coverage options personally suited to your specific needs.

Talk to a licensed agent

Get free consultation

Who actually needs disability insurance?

Investment protection

As a medical resident, it’s crucial to protect your ability to pay off debt from years of medical school.

Affordable coverage

Getting coverage while you’re younger keeps it affordable (and keeps you from becoming a cautionary tale).

Discount eligibility

Many disability insurers offer medical residents a discount of up to 15% off. Don’t waste money by waiting.

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Yes, we have to include some legalese down here. Policygenius Inc. (DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation with its principal place of business in New York, New York, is a licensed independent insurance broker. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

© Copyright Policygenius 2014–. All rights reserved.

Personalized quotes

Our marketplace makes it easy to compare disability insurance options in one place.

Expert assistance

Our licensed agents answer questions, handle paperwork, and more—for free.

Stress-free buying

We work for you, not the insurance companies, to help you find and secure your best-fit coverage.

The Policygenius experience

Disability coverage ensures you still have income if you suddenly can’t work. Consider having this safety net if you:

Compare trusted insurance companies in one place

We’ll help find your best quotes

Compare disability insurance options and protect your income—with help from our licensed agents.

Earn a high income and/or own a business that would be affected if you get hurt or sick

Have invested years of education or training into your career

Have financial obligations like a mortgage or bill payments to manage

Norman M.

Policygenius customer

"This is my second time using Policygenius. The first time was for term life insurance and this time for individual disability insurance. I can’t say enough good things about this service. It is extremely easy to work with them and they do a great job of identifying and explaining all the options of the available policies to help you choose."

Near-perfect customer ratings

*Not yet available to shop in our marketplace

*Not yet available to shop in our marketplace

*Not yet available in the Policygenius marketplace