What Are The Best Disability Insurance Companies? 
There 's many companies that offer disability insurance such as Guardian , MetLife , Assurity , Standard , Principal , just to name a few . The DEFINITION OF DISABILITY is the single most important factor when determining which disability insurance policy to apply for . Each policy will use 1 of the 3 definitions : 1 -RRB- True Own Occupation - this says you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation , even if you are at work in another occupation . In short , this is the most favorable definition you can have . 2 -RRB- Modified Own Occupation - this says that you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation . This one is commonly seen in many individual disability insurance policies . 3 -RRB- Gainful Occupation - this says if you are unable to perform the duties of your occupation or any occupation for which you are qualified for by education , training , or experience due to sickness or injury . In short , this is the least favorable definition . This one is commonly seen in group disability insurance policies through an employer and property and casualty insurers that offer disability coverage . If you have disability insurance with the gainful occupation definition , I would suggest replacing it immediately or at the very least supplement it with a policy that features a stronger definition -LRB- I would highly recommend one with the true own occupation definition -RRB- . If you 're going to buy/have disability insurance , it 's not something you want to be cheap about . There are many moving parts to disability insurance and is not something I would suggest trying to buy on your own - this is a type of coverage you should consult with an experienced independent disability insurance broker about . Factors such as your occupation class , your income level , the state you live in , your medical history , your age , your desired benefit amount and benefit period , if you want cost of living adjustment riders , and other factors all impact your policy 's structure and premiums . In short , they 're very customizable , I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 