Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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How To Perform a Disability Insurance ComparisonAs disability insurance will help to replace lost income under a number of given circumstances, it is advisable that you try not to scrimp on important benefits. That means that you need to perform a disability insurance comparison.

Enter your zip code for fast access to online disability insurance quotes!

Unlike shopping for car insurance, when looking for a good disability insurance provider, you should first figure out what features are absolutely necessary for you. In other words, outline all of the features that you need first and only then look for insurance providers that offer everything that you need.

Benefits to Look for Before Making a Disability Insurance Comparison

As you buy disability insurance to provide financial benefits when you are unable to work, your comparison needs to look at those payouts closely. Some of the key benefits you should look for in a disability insurance policy should include specifics on the elimination period and waiver premiums. Depending on your occupation and income, you will need a disability policy that will provide coverage in a number of situations such as:

  • Guaranteed Renewability – Some policies will allow you to keep coverage even in events where you become more of a risk. Of course, you can expect to pay increased premiums.
  • Capital Sum Benefit – If you face being totally disabled, a capital sum benefit will pay you the equivalent of one year’s salary.
  • Rehabilitation Benefit – Sometimes, after having surgery or becoming re-injured, there are insurance policies that will provide continued coverage without you needing to start the elimination period over again.

If you do become disabled, being unable to earn an income for any period of time can prove detrimental if coverage takes too long to kick in. You need to make sure that all of your medical paperwork is in order and also make certain that it is submitted quickly to the claims department. Having a savings account will help to lessen the financial blow, especially if you have a waiver period that lasts more than 60 days.

No one wants to become permanently or temporarily disabled, but it is important to be fully prepared and covered in case it happens. Most employers provide some type of optional disability coverage by way of their company sponsored health insurance plan, but many of these policies are designed to pressure you back into going to work sooner and provide minimal replacement of lost earnings. If you are in a potentially hazardous industry, it is especially important to get your own disability insurance policy that will provide you with the most income replacement and the shortest waiver period.

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Occupational Hazards: A Disability Insurance Comparison

People in industries such as construction and law enforcement are much more likely to become injured on the job, and as such they usually invest in the most comprehensive disability policies. Even so, there are plenty of potentially hazardous industries in which workers do not regularly opt to purchase disability insurance.

From warehouse workers to mail couriers, if you face danger in any shape or form, you run a real risk of having a debilitating injury. Most people simply cannot afford to survive without the income of a full-time job, which is why disability insurance was designed.

Here are a few different types of policies that work best for employed professionals, depending on their circumstances:

  • All Occupation Disability Insurance Policy – This policy covers a person that becomes totally disabled in a manner that does not allow them to work in any field, whether their own or not.
  • Own Occupation Disability Insurance Policy – For specialized workers such as chefs, pilots and lawyers, this type of coverage is designed to compensate those with a specific skill and cannot return to work in their given industry.
  • Total Disability Insurance Policy – A truly life changing injury such as paralysis, or total loss of hearing can cause a person to be out of work for a very long period of time. This policy will provide compensation that is close to what your average monthly salary was.

Long-term Risks And Relationships: Disability Insurance Comparison

It is crucial to look at what your insurance provider will do if you become disabled when it comes to your monthly premiums and renewing your insurance policy in the future. Some insurance companies include provisions that allow them to discontinue coverage if your medical history becomes punctuated with too many injury reports or disability claims. While most do this to avoid abuse, people who are chronically ill or seriously injured do not need to lose their source of income in the middle of being unable to work. Sometimes including this type of provision will cause your premiums to go down considerably, but for most it is just not worth the risk.

You may also want to look into residual disability, which is a provision that will kick in if you are still able to work, yet your injury prevents you from completing the full scope of your duties. These types of benefits are especially of assistance during the rehabilitation period and will allow you to supplement your income while slowly getting back to work.

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