Allstate disability insurance review
Sign up to get solid disability options from a top insurer.
- Consider Allstate if… you’re looking for standard disability offerings backed by the second-largest insurance company in the nation.
- Look elsewhere if… you’re looking for individual coverage apart from your employer.
Short term disability
Long term disability
Short-term disability- 3- and 6-month
Long-term disability- 6-,12- or 24-month
Short-term disability - Determined by the employer
Long-term disability - Determined by the employer
Short-term disability - From $400 to $5,000, up to 60% of gross salary
Long-term disability - From $400 to $5,000, up to 60% gross salary
|Individual credit||Not offered|
|Available states||All 50 states|
|Simplified issue||Not offered|
- Wide selection of benefits.
- Top insurer.
- Mental health coverage restrictions.
- No individual plans.
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.
As the second largest insurer in the nation, Allstate’s reputation speaks for itself. With Allstate, you’ll have a lot of coverage options, but you may also have slightly higher premiums compared to many of its competitors. Taking the time to shop around for your disability policy can help you save money and find the coverage that best suits your needs.
What disability coverage does Allstate offer?
Allstate short- and long-term disability pays up to 60% of your gross salary as a weekly or monthly benefit, minus any income you receive from another disability benefit or group insurance while on leave. Your policy may include the following benefits:
- Total disability.When you are unable to work, you get a monthly benefit of up to 60% of your income, which begins after a waiting period.
- Partial disability. Provides 50% of your monthly benefit after one month of total disability, for up to three months of partial disability.
- Pregnancy. After you’ve had the policy for 10 months, this provides a monthly benefit if you are disabled due to your pregnancy.
- Recurrent disability. Pays your benefit if you are disabled due to the same or a related cause within six months without a new waiting period or maximum benefit period.
- Survivor benefits.Provides a lump sum payment to an eligible survivor if you die while receiving or were entitled to receive long-term disability payments under the plan.
- Waiver of premiums.After 90 days of receiving your monthly benefits, Allstate pays your premiums until your benefits expire.
- Organ donor benefit. Pays your monthly benefit while you recover from a living organ donation surgery.
What add-ons are available?
Allstate allows employers to customize your disability policy using the following riders:
- On-the-job accident disability. Pays 50% of your monthly benefit even when you receive worker’s compensation or state disability benefits.
- Return of premium rider.Returns your premiums if you are laid off within six months of the start of your coverage.
- Doula services rider. Provides a one-time payment of $250 to help cover doula or midwife expenses during pregnancy and childbirth.
- Family Medical Leave Act (FMLA) rider.Provides 25% of your monthly benefit, up to $500, when you are out on FMLA leave.
- Increasing benefit period. Automatically increases your benefit period by up to one month every year up to six years.
Pros and cons of Allstate disability insurance
- Wide selection of benefits. Allstate provides a large menu of options to customize its disability policies, though the options available to you depend on what your employer selects.
- Top insurer. Allstate is one of the top four insurance companies in the US, with a stable financial base and a long history.
- Portability. If your employer includes this benefit, you can take your coverage with you if you change jobs.
- Mental health coverage restrictions.Allstate treats any mental illness diagnosis that comes prior to purchasing a disability policy as a pre-existing condition and doesn’t provide coverage for mental health disabilities related to those diagnoses.
- No individual plans. Allstate only sells disability as group insurance and doesn’t offer individual plans for freelance workers and the self-employed.
Compare alternatives to Allstate.
Allstate disability insurance reviews and complaints
Allstate Insurance has an A- rating with the Better Business Bureau (BBB), with low customer star ratings on both the BBB and TrustPilot, as of October 2020. But there are relatively few complaints for a company of Allstate’s size, most of which are centered around car and home insurance products.
How do I apply?
Because Allstate’s disability is group insurance, you have to sign up through your employer.