Our analysis indicates that the best disability insurance company in 2024 is Mutual of Omaha. Their Mutual Income Solutions disability income policy offers up to $20,000 in disability income for qualified applicants aged 18 to 61. Benefit periods range from a six month period or to when you hit age 70, and you can choose from 30 to 730 days for the waiting period. There are also several rider add-ons for further customization.

Another choice for disability insurance is the DInamic Cornerstone Income Protection plan from Ameritas, which provides up to $30,000 per month for eligible income earners. The benefit period can be chosen from two years or until you are age 67. Ameritas also includes valuable benefits like medical treatment support and a COBRA premium benefit.

Assurity Life Insurance Company’s Century+ individual disability income insurance policy is a good choice for those in high-risk occupations, such as carpentry, electricity, farming and mechanics. This plan provides up to $10,000 in long-term disability insurance benefits.

MassMutual’s Radius Choice policy is ideal for those seeking long-term disability insurance. This policy is highly customizable, with a range of waiting periods and benefits from two years or when you hit age 70. There are also 12 optional riders available, including coverage for benefit increases, catastrophic disability, cost of living adjustment (COLA), future insurability, short-term disability insurance, and repaying student loan debt while totally disabled.

Another provider offering a streamlined and no-fuss underwriting process is Principal Financial Group’s Principal Income Protector disability insurance. Its simplified underwriting process is available for monthly benefits up to $10,000 and comes with no-cost riders including annual increase coverage and presumptive disability benefits.

In conclusion, no matter the type of disability insurance needed, whether individual long-term or short-term, the best plan can be found from the providers such as Mutual of Omaha, Ameritas, Assurity Life Insurance, MassMutual and Principal Financial Group.

To learn more about the companies providing disability insurance, you can visit their websites. However, if you require assistance specifically related to State of California’s Employment Development Department (EDD), which oversees disability insurance, unemployment insurance, Paid Family Leave (PFL), and more, there are different routes to take. One such route is to use eddcaller.com, which helps you reach a live agent at EDD without waiting in long phone queues. This service is especially useful if you’re in need of immediate support for EDD-related matters.