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Independent disability insurance hub

Disability insurance for high-income professionals and business owners.

Independent guidance from licensed advisors, with the carrier comparisons, contract language, and group LTD data you need to decide on your own terms.

See who we protect Try the income calculator

Start with a number

Your career is the asset. See what it is worth.

Most people insure their house and car and leave their largest asset, future income, covered only by an employer plan they have never read. Three inputs, no email.

Reviewed by licensed advisors, CLU®, ChFC® Last reviewed September 2026

What is your income worth over a career?

Three inputs. No email required.

Estimated earnings from age 34 to 67

$17.6 million

Assumes 3% annual raises and retirement at 67. Illustration only, not a quote or a projection of any policy.

See how much of this you can insure

Who we protect

Contract details differ by specialty. Start with yours.

  • CLU®, ChFC®, CFEI®, CPFA®

    Designations held by the advisors who review every page

  • Licensed insurance agency

    Current state licenses listed on the Licenses page

  • Independent

    No captive contract with any single carrier

  • Carriers compared side by side

    Same table, same definitions, same price you would pay direct

Why disability insurance

Your ability to earn is usually the largest asset you own, and the least protected. Three facts, each with its source.

Read the full research hub

Free tool

Check your hospital’s group LTD plan

We collect the long-term disability summaries of major health systems and employers so you can see what your plan really covers before you buy anything.

Group plans indexed as they are submitted. Missing yours? Send us the summary and we will add it.

Sample result: Regional Medical Center Updated Jul 2026
Group carrier
Carrier name
Benefit
60% of base salary
Monthly cap
$10,000
Definition
Own-occ 24 months, then any-occ
Benefit taxable
Yes, employer paid

A $400,000 earner on this plan keeps about 30% of pre-tax income after the cap. See the gap math

How it works

  1. Review

    Send your current policy or group LTD summary. We read the contract language, not the brochure, and write up what it actually covers.

  2. Compare

    See quotes from leading carriers in one table: definition of disability, riders, exclusions, and price, with nothing hidden.

  3. Decide

    Take the time you need. No deadlines, no follow-up pressure. If the right answer is to keep what you have, we will say so.

Editorial standards

How this site is reviewed

disability.insure is a knowledge portal, not a sales page. Every guide, article, and tool is written and reviewed by licensed advisors and checked against current carrier contract specimens. Review dates are shown on every page.

Editorial standards and how we are paid
Wide view of a bright hospital atrium with clinicians walking at a distance. Illustrative image.
Reviewers
Licensed advisors holding CLU®, ChFC®, CFEI®, CPFA®
Licensing
Current state licenses listed on the Licenses page
Review cycle
Every page at least twice a year
Sources
Carrier specimens, SSA, BLS, CDA, cited inline
Compensation
Paid by carriers, same price as direct, disclosed
Languages
English, Russian, Georgian

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Common questions

Usually the group plan is a starting point, not the whole answer. Most plans replace 60% of base salary, cap the monthly benefit, exclude bonus and production pay, and pay a taxable benefit. An individual policy fills the gap, follows you between employers, and can use a stronger definition of disability.

It means you are considered disabled if you cannot perform the material duties of your specific occupation, even if you work in another field and earn income. Weaker definitions reduce or stop benefits once you earn money elsewhere. We show the exact contract language side by side.

A rough rule is 1% to 3% of the income you insure, depending on age, specialty, health, and the riders you choose. Women often pay more unless a unisex rate is available. A quote takes a few minutes and does not require a medical exam to see numbers.

No. Premiums are higher than at 30 and health questions matter more, but a policy to age 65 or 67 still protects the highest earning years of most careers. We will tell you plainly if it does not make sense in your case.

By the carrier that issues your policy, through a commission built into the premium. The price is the same whether you buy through us or directly from the carrier. We compare carriers without a captive contract and disclose compensation on the About page.

Complimentary service

Have your existing disability policy or group plan reviewed, at no cost

Send your individual DI policy or your employer’s group LTD certificate. A licensed advisor reads the contract and returns a written summary within two business days: definition of disability, cap, tax status, portability, and any gap in plain dollars.

  • No obligation and no follow-up calls unless you ask
  • "Keep what you have" is a common answer
  • Documents transmitted securely, stored in our CRM and deleted on request

Request your complimentary review

You upload the document on the next step. No phone number required. Privacy

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