Short- and long-term disability coverage for your paycheck.
MassMutual
Coverage / value
Up to 80% income
Highlights
Benefits to age 70
MassMutual is the top-rated disability insurer for 2026, covering up to 80% of income — tied for the highest in the industry. Benefits extend to age 70 with diverse riders for customization. Accepts applicants up to age 64.
Guardian Life
Coverage / value
All 50 states
Highlights
A++ AM Best rating
Guardian offers the broadest coverage area (all 50 states) with A++ AM Best financial strength. Both group and individual policies available through Berkshire Life Insurance Company. A top choice for long-term disability needs.
Northwestern Mutual
Coverage / value
Own-occupation coverage
Highlights
A++ · 160+ year track record
Northwestern Mutual brings A++ financial strength and a 160+ year track record to disability coverage. True own-occupation definition means you're covered if you can't perform your specific job, even if you can work elsewhere.
Breeze
Coverage / value
Apply in minutes
Highlights
Highly customizable
Breeze makes buying disability insurance simple with a fast online application and highly customizable policies. Particularly affordable for young, healthy professionals. Backed by top-rated carriers.