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finder.com’s rating: 2.5 / 5.0
★★★★★
Yes
Short term disability
Yes
Long term disability
Benefit period |
Short-term: 3, 6 or 12 months
Long-term: Up to ages 65, 67, or 70, or 2 or 5 years |
---|---|
Waiting period |
Short-term: 30, 60 or 90 days
Long-term: 90, 180 or 365 days |
Coverage amount |
Short-term: $100–$3,000
Long-term: $300–$6,000 |
Individual credit | |
Available states | All 50 states |
Policy riders |
No info available |
Simplified issue | No |
Review by
Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
Offered through the workplace, Prudential’s disability policies cater to both short- and long-term needs. Policy features vary between employers, but you can expect your coverage to be less customizable than an individual policy.
If you’re interested in taking out an individual disability policy, compare disability insurance companies.
Prudential has been in the insurance industry for over 140 years, though it’s not accredited with the Better Business Bureau (BBB). The BBB has awarded the insurer a D rating while it responds to complaints, as of October 2020. Speaking of complaints, the BBB records 126 in the last three years — but we couldn’t find any directly related to disability insurance.
Customers award Prudential 1 out of 5 stars on the BBB, and 1.5 stars on TrustPilot. But again, these reviews reflect the company as a whole.
An insurer’s financial strength points to its ability to pay out claims. Prudential scores top ratings from the major agencies and currently manages $1.4 trillion in assets. With these stats, it’s safe to say it has the cash reserves to pay out claims.
As for customer satisfaction, Prudential earned an “about average” score in J.D. Power’s latest life insurance study — so there’s room for improvement.
Agency | Rating |
---|---|
A.M. Best | A+ (Superior) |
Moody’s | Aa3 (High quality) |
Standard & Poor’s | AA- (Very strong) |
Fitch | AA- (Very strong) |
J.D. Power | 3 out of 5 circles |
Since Prudential sells disability insurance through the workplace, you’ll need to ask your employer to explain your coverage options.
If you have questions, you can call Prudential’s disability insurance department at 800-842-1718. Agents are available on weekdays from 8 a.m. to 11 p.m. ET.
Founded in 1875, Prudential Financial is one of the largest life insurance companies in the US, with over 3.8 million policyholders and $2 trillion in active premiums. It also has offices in Asia, Europe and Latin America.
Insurance aside, Prudential offers annuities, mutual funds, investment management services and retirement plans.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze disability insurance companies to help you find the best income protection policy for you.
We assess each company’s financial strength and customer satisfaction, as well as policy features, benefit and elimination periods and available riders. We then give each insurer a score between one and five stars that reflects available options and industry reputation.