Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Alternatives to Aetna disability insurance

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

Updated

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.

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 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:

  • 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 Online quote
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
Yes
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
Yes
This startup offers some of the most riders and benefits backed by an established underwriter.
LeverageRx
$100 to $20,000+
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Yes
Depends on provider
Yes
LeverageRx is a digital lending and insurance marketplace exclusively for medical professionals.
loading

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.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site