Because consultants cover a wide range of tasks, specialties, and industries, disability insurers vary on how they rate the occupation. Therefore, it’s important for consultants to survey several providers to get the best deal. Disability insurance companies typically rate consultants from a 3 to a 5. Some companies offer different classes based on income levels. Others classify consultants based on the industry they primarily consult in; for example, a human resources consultant will be rated similarly to those working in human resources.