How To Buy Disability Insurance Online? 
I would not recommend trying to buy disability insurance on your own online . There are many moving parts to disability insurance - this is a type of coverage you should consult with an experienced independent disability insurance broker about . Disability policies are very customizable and are much more involved than other types of coverage -LRB- e.g. health insurance and life insurance -RRB- . 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 -LRB- and other types of riders -RRB- , and other factors all impact your policy 's structure and premiums . There 's an instant quote generator on my website that you can use to get an idea of pricing - please note though , given the strong customization of products and factors that go into underwriting , I would still suggest talking to a broker before deciding to apply for a policy to make sure that what you 're getting is attainable . Keep this in mind when looking at disability coverage - the MOST important factor to look at in your research for the coverage is the DEFINITION OF DISABILITY . 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 . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any further questions . Thanks very much . 