Top 20 Companies for Disability Insurance in the USA for 2025

Disability insurance is a crucial financial safety net, providing income protection in case an injury or illness prevents you from working. 

Whether you’re self-employed, employed full-time, or a business owner, having the right disability insurance policy ensures peace of mind during unforeseen circumstances.

In this guide, we explore the top 20 companies for disability insurance in the USA for 2025, highlighting their offerings, customer service, and coverage options to help you make an informed decision.

1. Guardian Life

Founded in 1860, Guardian Life is one of the oldest and most respected insurance providers in the USA. Known for its financial stability, the company specializes in a variety of insurance products, including disability insurance. 

Guardian Life offers customizable short-term and long-term disability plans to suit individual and business needs. Their comprehensive coverage options and 24/7 customer support make them a top choice for income protection in 2025.

Why Choose Guardian Life?

Guardian Life combines a stellar reputation with customizable disability insurance plans. Their financial stability ensures that claims are processed efficiently, giving policyholders peace of mind. Guardian Life’s comprehensive short-term and long-term coverage options, paired with exceptional customer support, make them a reliable choice for individuals and businesses seeking robust income protection.

2. Northwestern Mutual

With over 160 years of experience, Northwestern Mutual has built a reputation for financial expertise and personalized insurance solutions. Their disability insurance policies are particularly designed for high-income professionals such as doctors, lawyers, and business owners. 

Northwestern Mutual focuses on “own-occupation” plans, allowing policyholders to receive benefits even if they can work in another field. Their dedication to client satisfaction and financial security makes them a leading choice for disability insurance.

Why Choose Northwestern Mutual?

Northwestern Mutual’s focus on personalized insurance solutions sets it apart. Their “own-occupation” plans allow policyholders to continue receiving benefits even if they take up another job. 

This flexibility is particularly valuable for professionals like doctors and attorneys. With top-tier financial ratings and tailored coverage, they’re a trusted choice for comprehensive disability insurance.

3. MassMutual

Massachusetts Mutual Life Insurance Company, better known as MassMutual, has been serving customers since 1851. They offer robust disability insurance plans with multiple riders to enhance coverage. 

MassMutual stands out for its emphasis on long-term income protection, particularly for individuals and families. Their retirement protection riders ensure policyholders continue saving for their future even during periods of disability, making them a trusted name in the industry.

Why Choose MassMutual?

MassMutual’s disability insurance policies are designed with long-term income protection in mind. Their robust rider options, such as retirement protection, ensure financial security even during periods of disability. 

Known for exceptional customer service and flexible policy customization, MassMutual is an excellent choice for individuals and families planning for the future.

4. The Standard

The Standard, established in 1906, is renowned for its reliable insurance products and superior customer service. The company specializes in both individual and group disability insurance plans, catering to employees, employers, and self-employed individuals. 

The Standard is particularly known for its affordable plans and innovative riders, such as family care benefits and student loan repayment options. Their straightforward claim process and flexible plans make them a popular choice.

Why Choose The Standard?

The Standard offers affordable disability insurance policies with features like family care benefits and student loan repayment riders. 

Their group disability plans are ideal for employers, while individual policies cater to self-employed professionals. With a focus on simplicity and a user-friendly claim process, The Standard is a trusted provider of income protection.

5. Principal Financial Group

Principal Financial Group has been a trusted provider of financial products and services since 1879. Their disability insurance plans are designed to cater to small business owners, self-employed professionals, and employees. 

Principal’s policies are highly customizable, offering riders like residual disability benefits and automatic increases. They also provide excellent digital tools, enabling users to manage claims and policies conveniently online.

Why Choose Principal Financial Group?

Principal Financial Group is a top choice for small business owners and professionals seeking customizable disability insurance. Their residual disability and automatic increase riders ensure that policies adapt to changing needs. 

With digital tools for claims and policy management, Principal offers convenience alongside reliable income protection.

6. Ameritas

Ameritas, a mutual insurance company founded in 1887, is dedicated to delivering top-tier financial services and insurance solutions. Their disability insurance products are tailored for professionals in high-demand fields such as healthcare and education. 

Ameritas is known for its competitive pricing and customer-focused approach, offering critical illness riders and other enhancements to ensure comprehensive coverage. Their strong commitment to customer satisfaction sets them apart.

Why Choose Ameritas?

Ameritas is known for competitive pricing and exceptional service, making them a favorite among professionals in high-demand fields like healthcare and education. Their critical illness riders add extra layers of financial protection. Ameritas’s dedication to customer satisfaction and flexible coverage options make them a reliable partner for income security.

7. Mutual of Omaha

Mutual of Omaha, a household name in the insurance industry since 1909, offers affordable and accessible disability insurance plans. Their user-friendly policies cater to individuals from various income levels. 

With a focus on simplicity, Mutual of Omaha ensures that customers understand their coverage options without being overwhelmed by complex terms. The company’s strong financial foundation and excellent claim support make them a dependable choice.

Why Choose Mutual of Omaha?

Mutual of Omaha is celebrated for its straightforward disability insurance policies. Their affordability and transparent terms make them accessible to middle-income earners. With a strong financial foundation and responsive claim support, they are an excellent choice for those seeking reliable and uncomplicated income protection.

8. Ohio National

Founded in 1909, Ohio National specializes in providing financial security through life and disability insurance products. 

Their disability insurance plans are particularly suitable for professionals in high-risk industries, offering comprehensive income protection and flexible riders. 

The company emphasizes customer service and personalized solutions, ensuring that policyholders receive coverage tailored to their unique needs. 

Their long-standing reputation for reliability makes them a top contender in the market.

Why Choose Ohio National?

Ohio National offers tailored disability insurance plans with riders like catastrophic disability coverage. 

Their commitment to personalized service ensures that each policy fits the unique needs of the policyholder. 

Ohio National’s focus on high-risk professions and comprehensive income protection makes them a standout choice in the industry.

9. Breeze

Breeze is a modern disability insurance provider focused on making coverage accessible and affordable for younger demographics. 

Founded in 2020, Breeze operates entirely online, offering quick and hassle-free application processes. 

Their policies cater to professionals seeking short-term or long-term coverage with flexible riders. 

Breeze’s mission is to simplify disability insurance, ensuring customers can secure financial protection without lengthy procedures or high costs.

Why Choose Breeze?

Breeze is perfect for young professionals seeking affordable and hassle-free disability insurance. With a 100% online application process and flexible coverage options, they make securing financial protection easy. 

Breeze’s focus on accessibility and simplicity ensures that policyholders can quickly adapt their plans to fit their needs.

10. Illinois Mutual

Illinois Mutual, a regional insurance company with over 110 years of experience, focuses on serving middle-income earners. Their disability insurance policies are designed to provide comprehensive protection at affordable rates. 

Illinois Mutual offers innovative riders, such as return of premium options, that enhance policy value. With a reputation for personalized customer service, they are an excellent choice for individuals seeking straightforward income protection.

Why Choose Illinois Mutual?

Illinois Mutual’s disability insurance policies are ideal for middle-income earners looking for affordable yet comprehensive coverage. 

Their return-of-premium riders and straightforward policy terms enhance their appeal. With a strong emphasis on personalized service, Illinois Mutual ensures that customers receive the attention and support they deserve.

11. Assurity

Assurity Life Insurance Company, founded in 1890, is a leading provider of disability insurance, known for its affordable and customizable policies. 

They serve individuals, families, and small businesses, focusing on creating plans that adapt to changing financial needs. Assurity’s return of premium rider and critical illness coverage make their policies particularly appealing. Their commitment to sustainability and customer care enhances their reputation.

Why Choose Assurity?

Assurity combines affordability with flexibility, offering policies that adapt to your changing needs. 

Their critical illness and return-of-premium riders provide added financial security. 

Assurity’s commitment to sustainability and excellent customer support make them a dependable choice for disability insurance in the USA.

12. Standard Life

Standard Life has been providing financial security since 1906. They specialize in disability insurance plans designed to meet the needs of both individuals and small businesses.

 Known for their flexibility, Standard Life allows policyholders to customize coverage with unique riders such as residual disability benefits. 

Their group disability plans are particularly popular among employers seeking affordable options for their teams.

Why Choose Standard Life?

Standard Life’s disability insurance plans are tailored to meet the needs of professionals and small businesses. 

Their residual disability benefits and group discounts make them a cost-effective solution. 

With a reputation for reliability and flexibility, Standard Life stands out as a top provider in the disability insurance market.

13. Fidelity Security Life

Fidelity Security Life, established in 1969, is a trusted name in the insurance industry. They focus on providing disability insurance plans that balance affordability with comprehensive protection. 

Fidelity Security Life offers several riders to enhance coverage, including critical illness and family benefits. 

Their user-friendly online tools and reputation for excellent claims support make them a preferred choice for income protection.

Why Choose Fidelity Security Life?

Fidelity Security Life offers a balance of affordability and comprehensive coverage, with riders like critical illness and family care benefits.

 Their user-friendly online tools make managing policies and claims easy. 

With a focus on customer satisfaction and quick payouts, they are a reliable option for disability insurance.

14. Aflac

Aflac, founded in 1955, is a leader in supplemental insurance, including disability coverage. Their policies are known for quick payouts and transparent terms, making them ideal for working professionals. 

Aflac specializes in short-term disability insurance and offers add-ons like accident and illness benefits. With a focus on simplicity, Aflac ensures policyholders receive timely support during periods of disability.

Why Choose Aflac?

Aflac is known for its quick payouts and transparent policies, making it ideal for individuals seeking supplemental income protection. 

Their short-term disability insurance plans are straightforward and affordable. Aflac’s focus on ease of use and customer support ensures a seamless experience for policyholders.

15. MetLife

MetLife, established in 1868, is one of the largest insurance providers in the world. They offer a wide range of disability insurance options, including group and individual plans. 

MetLife’s global reputation for reliability, combined with excellent customer service, makes them a top choice for disability coverage. 

Their flexible policies cater to businesses of all sizes, making them a trusted provider in the market.

Why Choose MetLife?

MetLife’s global reputation and comprehensive disability insurance plans make it a trusted provider. 

Their group and individual coverage options cater to a variety of needs. With exceptional customer service and flexible riders, MetLife ensures that policyholders receive reliable income protection during challenging times.

16. Colonial Life

Colonial Life, founded in 1939, specializes in voluntary benefits, including disability insurance. Their policies are designed to provide income replacement during periods of disability, with flexible payment options and competitive pricing. 

Colonial Life emphasizes supplemental insurance solutions that help policyholders manage unexpected expenses. 

Their strong focus on customer satisfaction ensures a smooth claims process.

Why Choose Colonial Life?

Colonial Life specializes in supplemental disability insurance, offering flexible payment options and affordable coverage. 

Their focus on income replacement during periods of disability ensures financial security for policyholders. 

Colonial Life’s commitment to customer satisfaction and seamless claims processes makes them a standout provider.

17. Reliance Standard

Reliance Standard, established in 1907, offers comprehensive group disability insurance plans for employers of all sizes. 

Their focus on affordability and simplicity makes them a favorite among small and medium-sized businesses. 

Reliance Standard provides unique riders, such as family care benefits and cost-of-living adjustments, ensuring policyholders receive well-rounded protection.

Why Choose Reliance Standard?

Reliance Standard provides affordable group disability insurance plans tailored for small and medium-sized businesses. 

Their unique riders, such as family care benefits and cost-of-living adjustments, offer comprehensive protection. 

With a focus on simplicity and competitive pricing, Reliance Standard is a valuable partner for employers and employees alike.

18. Unum

Unum, founded in 1848, is a leading provider of disability insurance, particularly for employee benefits packages. 

Their comprehensive group and individual plans are tailored to meet the needs of professionals across various industries. 

Unum is known for its user-friendly claim process and innovative riders, such as maternity benefits and return-to-work programs.

Why Choose Unum?

Unum’s disability insurance policies are designed to provide comprehensive coverage for individuals and businesses. 

Their innovative riders, like maternity benefits and return-to-work programs, ensure that policyholders are well-supported. 

Unum’s user-friendly claim process and customer-focused approach make them a trusted choice.

19. Transamerica

Transamerica, established in 1928, is a global leader in financial services, offering disability insurance policies that prioritize flexibility and affordability. Their plans cater to individuals, families, and businesses, ensuring comprehensive income protection. 

Transamerica’s reputation for reliability and robust coverage options makes them a top contender in the disability insurance market.

Why Choose Transamerica?

Transamerica offers flexible and affordable disability insurance policies for individuals, families, and businesses. 

Their residual disability and catastrophic illness riders provide additional financial security. 

Transamerica’s robust coverage options and reliable customer support make them a leading choice in the industry.

20. Cigna

Cigna, a global health services company founded in 1792, is a trusted provider of disability insurance. They offer tailored plans for individuals and businesses, with a strong emphasis on wellness programs. 

Cigna’s innovative approach includes return-to-work incentives and holistic support for policyholders, ensuring financial security during periods of disability.

Why Choose Cigna?

Cigna’s disability insurance policies emphasize holistic support, with wellness incentives and return-to-work programs. 

Their tailored coverage options cater to both individuals and businesses. With a global reputation for reliability and innovation, Cigna is a top choice for income protection in 2025.

Takeaway

Choosing the right disability insurance provider is essential for financial security. These top 20 companies for disability insurance in the USA for 2025 offer a range of options to suit different needs and budgets.

Evaluate their offerings and select the one that aligns with your requirements to ensure peace of mind and income protection in challenging times.