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Alternatives to Aetna disability insurance

Compare pros and cons of other carriers to replace the coverage you had with Aetna.


Fact checked

As of 2018, Aetna no longer offers individual and group disability and life insurance — though you may still be covered for medical, dental and vision through Aetna. If you’re in the market for a disability insurance policy, there are plenty of other options to explore.

What to do if you have a group policy with Aetna

If you still have an active policy, it remains in effect until the policy term ends. Otherwise, chat to your HR team — you may be changed over to a new carrier for short- and long-term disability options.

Aetna still offers group medical, dental and vision coverage in some states, so it’s possible your employer will keep Aetna for that coverage while switching to a new provider for disability insurance.

Who offers long-term disability insurance?

Many major insurers across the US offer long-term disability insurance policies. Before you purchase a policy, it’s a good idea to compare quotes and features from a few companies.

Mutual of Omaha

Mutual of Omaha is a reputable company that offers disability insurance in addition to its life insurance products. Its disability department is known for its strong claims service, but might not be the best fit for high-income earners.


  • Large range of disability products, including short-term disability
  • Strong financial and customer service ratings
  • One of the few companies to offer accident disability coverage
  • No medical exam for many applicants


  • Disability benefits are capped at $12,000 a month
  • No online application for most plans
  • Rates aren’t guaranteed, though increases are unlikely


Breeze opened its doors in 2019 with backing from Assurity, a financially strong insurance provider. It offers various disability options and riders on its long term disability plans, but doesn’t sell short-term disability.


  • Seamless online application process
  • Various free policy add-ons
  • Riders allow for policy customization


  • No short-term disability plans
  • Not currently available in New York State
  • Breeze doesn’t answer questions until after you apply


One of the oldest and most established insurance companies in the nation, MassMutual sells strong short- and long-term disability policies. Its rates are particularly competitive for white collar professional jobs, and it offers simplified underwriting to streamline the application process.


  • Has consistently paid out dividends since 1869
  • Generous multi-life discounts
  • Strong policy options for middle- and high-income earners


  • Premiums are higher than other popular providers
  • Blanket limitation of 24 months for mental or nervous disorders
  • Local agent are scarce


MetLife could be a good alternative to Aetna if you need another policy through your employer. It’s a financially strong company that mainly focuses on workplace benefits.


  • Offers both short- and long-term disability plans
  • Policies include waiver of premium and rehabilitation incentives
  • Financially strong company means you can trust MetLife will pay its claims


  • Poor customer reviews on the BBB and TrustPilot
  • Doesn’t offer individual disability policies, only group plans through your employer
  • No online quotes


This insurer is a good fit for blue-collar workers. It sticks to long-term disability insurance, and offers a variety of disability plans and riders.


  • Many built-in benefits and riders available
  • Choose from individual and group policies
  • Competitive rates for blue-collar and manual-labor occupations


  • No short-term disability plans
  • Can’t get online quotes
  • 5-year limit on guaranteed premiums

Which providers sell short-term disability plans?

Short-term disability plans are less common, and they help to replace lost income when you’re unable to work for at least 90 days. Rather than draining your savings, rely on short-term disability to help keep you afloat while you recover from an injury or illness.

These insurers are popular for short-term disability:

  • Aflac
  • Humana
  • MassMutual
  • Metlife
  • Mutual of Omaha

Compare disability insurance companies

Data indicated here is updated regularly
Name Product Coverage Amount Benefit period Waiting period Own Occupation Medical exam required
Prudential disability insurance
Short-term: $100–$3,000
Long-term: $300–$6,000
Short-term: 3, 6 or 12 months
Long-term: Up to ages 65, 67, or 70, or 2 or 5 years
Short-term: 30, 60 or 90 days
Long-term: 90, 180 or 365 days
MassMutual disability insurance
Not listed
2, 5 or 10 years or up to age 65, 67 or 70
60, 90, 180, 365 or 730 days
Guardian disability insurance
$500 to $20,000
2, 5 and 10 years to age 65, 67 and 70
30, 60, 90, 180, 365 or 720 days
Principal disability insurance
$400 to $20,000
Up to ages 65, 67, or 70, or 2 or 5 years
30, 60, 90, 180 or 365 days
No info available
Mutual of Omaha disability insurance
Simplified issue: $300–$4,000
Short-term: $300–$5,000
Long-term: $300– $20,000
Simplified issue: 12, 24 or 36 months
Short-term: 3, 6, 12 or 24 months
Long-term: 2, 5, or 10 years, or to age 65 or 67
Simplified issue: 30 days (injury) or 90 days (sickness)
Short-term: 0 (accident), 7, 14, 30, 60 or 90 days
Long-term: 60, 90, 180 or 365 days
No info available

Compare up to 4 providers

Bottom line

While you can’t get disability insurance through Aetna anymore, there are a range of other insurers to choose. To get the coverage that best suits your needs, check out our guide to disability insurance and take the time to compare disability insurance companies.

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