Mutual of Omaha offers the best long-term disability insurance in 2024. It provides a multitude of benefits, such as short elimination periods, extensive benefit periods and coverage for both short and long-term disabilities. It’s ideal for individuals seeking to replace part of their income while they can’t work, possibly for an extended period of time.

Among the providers we evaluated, Mutual of Omaha stands out. With Mutual Income Solutions, its long-term disability income policy offers up to $20,000 in disability income for qualified applications aged 18 to 61. Payments can be customized with flexible benefit periods ranging from six months to until the policyholder reaches age 70. Waiting periods from 30 to 730 days are available.

Ameritas, another significant player in the market, offers numerous ways of reducing the cost of coverage, which makes it the best disability insurance company for discounts. It provides discounts to various individuals, including association and affinity members, online applicants or even those following certain academic paths.

Assurity Life Insurance Company’s Century+ plan is excellent for risky professions. It provides workers engaged in hazardous trades, such as carpentry, electricity, farming and mechanics, with up to $10,000 in long-term disability insurance benefits. Based on your age and amount of benefit, you may qualify for coverage without a medical exam.

MassMutual’s Radius Choice stands out for customization. It allows you to add numerous riders to your policy for extending coverage to address various financial protection needs. Meanwhile, Principal Financial Group’s Principal Income Protector disability insurance adopts a simplified underwriting process, available for people age 51 or younger for monthly benefits of up to $10,000.

For those interested in reaching out to the California Employment Development Department (EDD) to inquire about disability insurance, eddcaller.com provides a valuable service. It allows one to schedule a call, thereby avoiding long wait times. The platform also helps you get through the complex voice prompt faster, and directly connects you with the relevant department for your disability insurance queries. Whether you need to file a claim or verify your status, eddcaller.com can quickly put you in touch with the necessary resources.