Alternatives to Aetna disability insurance

Compare pros and cons of other providers for coverage to replace your individual or group plans.

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As of 2018, Aetna no longer offers individual and group disability and life insurance. Though it does offer individual and family health care plans through Medicare, and Medicaid in some states. Though you may still be covered for medical, dental and vision through Aetna.

What to do if you have a group policy with Aetna

Talk to your HR department to find out your options. You may be changed over to a new carrier for short- and long-term disability options. If you still have an active policy, it remains in effect until the policy term ends.

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

What are some providers that offer disability insurance?

Compare the pros and cons of these popular insurance providers to see if it offers a disability insurance for you.

Mutual of Omaha

Mutual of Omaha is a reputable company that offers disability insurance in addition to its life insurance products. It’s wide range of disability products carry a reputation for 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
Get a free quote from Policygenius

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 offer short-term disability.

Pros

  • Easy and quick 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
Get a free quote from Breeze

MassMutual

One of the oldest and most reputable insurance companies in the nation, MassMutual offers strong short- and long-term disability policies. It’s rates are particularly competitive for white collar professional jobs and 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
Get a free quote from Policygenius

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
Get a free quote from Policygenius

Assurity

One of the largest insurance providers in the country and could be a good fit, especially if you are a blue-collar worker. It offers a variety of disability plans and riders, though it only offers long-term disability insurance.

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
Get a free quote from Policygenius

Who also has short-term disability plans?

Short-term disability can help 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.

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

Compare disability insurance companies

Updated January 20th, 2020
Name Product Short term Long term Waiting period Benefit period
Policygenius Disability Insurance
60 - 365 days
Up to ages 65 & 67 or 2, 5, 10 years
Breeze
30 - 365 days
Up to ages 65 & 67 or 1, 2, 5, 10 years
LeverageRx
LeverageRx
30 - 365 days
Up to ages 65, 67 & 70 or 1, 2, 5, 10 years
LeverageRx is a digital lending and insurance marketplace exclusively for medical professionals.

Compare up to 4 providers

Bottom line

While you can’t get disability insurance through Aetna anymore, you can still find plenty of providers elsewhere. To learn more about comparing providers, check out our guide to disability insurance and find the plan that’s best for you.

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