Alternatives to Aetna disability insurance | finder.com

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Alternatives to Aetna disability insurance

This big-name insurer no longer sells disability insurance — but you have plenty of other options.

As of 2018, Aetna no longer offers individual and group disability insurance.

The insurer sold its disability and life insurance business to The Hartford, but this change didn’t affect existing policies. If you have an active Aetna disability insurance policy, it remains in effect until the policy term ends. Otherwise, chat to your HR team — you may be changed over to a new insurer for short- and long-term disability options. Otherwise,find alternative disability insurance companies on your own.

Aetna still offers group medical, dental and vision coverage in some states, so you might still have that coverage with Aetna through your employer.

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. These are some of our top picks.

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.

Pros

  • 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

Cons

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

Breeze

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.

Pros

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

Cons

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

MassMutual

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.

Pros

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

Cons

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

MetLife

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.

Pros

  • 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

Cons

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

Assurity

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.

Pros

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

Cons

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

Which insurers sell short-term disability policies?

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:

  • Metlife
  • Mutual of Omaha

Compare individual disability insurance policies

If you want to buy a disability insurance policy on your own, use this table to filter your options and compare disability insurance companies, prices and coverage.

Data updated regularly
Name Product Coverage Amount Benefit period Waiting period Own Occupation Medical exam required
Policygenius Disability Insurance
$100 to $20,000
2, 5, or 10 years or until age 65 or 67
60 - 365 days
Yes
Depends on provider
Get matched with one of 15 top life insurance companies to find the best coverage and rates for you.
Breeze
$500 to $20,000
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Yes
No
Secure long-term disability insurance online by filling out an easy 10-minute application, even if you're a high income earner.
LeverageRx
$100 to $20,000+
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Yes
Depends on provider
Compare disability insurance for doctors on this exclusive marketplace for medical professionals.
JRC Life Insurance
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
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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, take the time to compare disability insurance companies.

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