Disability insurance offers financial protection in case of a major illness or injury that prevents one from working. Social Security Disability Insurance is available, but the average benefit of $1,483 a month may not cover a family’s needs. Some insurance companies, such as Guardian®, Breeze, Assurity, The Standard, and Mutual of Omaha, offer disability insurance options.

Guardian® offers benefit period options ranging from two years to age 70 and has a strong history of financial strength and few customer complaints. Breeze allows customers to compare rates from top insurance companies, catering for those who want to comparison shop independently. Assurity’s policy includes a waiver of premium and coverage for home modifications if totally disabled, with occupational rehabilitation support to help you return to work. The Standard offers a family care benefit to help take care of a seriously ill or injured loved one, making it a considerable choice for families. Mutual of Omaha’s disability insurance offers a wide range of policy options, built-in benefits like coverage for recurrent disabilities, elimination period waiver for recurring disabilities, and coverage for rehabilitation services.

The cost of disability insurance typically falls between 1% and 3% of your income. The amount you need depends on your monthly income, how much coverage you have from work, and how much you have saved. It is important to subtract your monthly bills from the income you’d expect to receive in case of disability to calculate the amount you need every month from your disability insurance.

If you need further assistance, contacting customer service or reaching out to a live person from your insurance company might be beneficial. These services can help answer any questions regarding your coverage, benefits, costs, and more. If you wish to reach an agent at state-specific programs, such as the Employment Development Department (EDD) in California, website like eddcaller.com provide information on how to contact a live person at EDD California.