State Farm disability insurance review 2022

This carrier offers short- and long-term policies, plus a unique product: individual credit disability insurance.’s rating: 3.0 / 5.0


  • Consider State Farm if…You want a generous policy, or to protect your credit score with individual credit disability insurance.
  • Look elsewhere if…You live in Massachusetts, New Jersey or Rhode Island, or if you reside in New York and want individual credit disability insurance.


Short term disability


Long term disability


Benefit period Short term: 1 or 3 years
Long term: 5 years, 10 years, or to age 65 or 67
Individual credit: A mortgage might be 10-20 years, while a car loan could be 4-5 years.
Waiting period Short term: 30, 60 or 90 days
Long term: 30, 60, 90 or 180 days
Individual credit: You'll pay a single, upfront premium for this policy, so there's no elimination period
Coverage amount Short term: $300–$3,000
Long term: $500–$20,000
Individual credit: $40–$1,200 up to a policy limit of $100,000
Individual credit
Available states Not available in MA, NY or WI
Policy riders No info available
Simplified issue Yes (depends on policy)


  • Unique product that protects your credit
  • Short and long term disability options


  • No online quotes
  • Paper claims filing
  • Lack of product info its website

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).

Expert review

State Farm sets itself apart from its competitors by offering individual credit disability insurance, which helps to keep your credit score in tact if you become disabled. Its short- and long-term policies are generous and customizable, too. But if you want coverage, you’ll need to pick up the phone.

To learn how State Farm stacks up to its competitors, compare disability insurance companies.

What’s individual credit disability insurance?

It’s a type of disability insurance policy that’s designed to protect your credit score. If you become disabled and cannot work, it pays your creditors so you can keep up with your loan repayments.

Built-in benefits and available policy riders

Built-in benefits

  • Waiver of premium. Pauses your premiums while you receive disability benefits.
  • Residual disability. Pays a partial benefit if you’re able to work part-time but lose 20% or more of your income. During the first six months of residual disability, State Farm pays a minimum of 50% of the total disability. If your loss of earning exceeds 75%, the insurer will pay the full benefit amount.
  • Rehabilitation expenses. Covers part or all of the costs of an approved vocational rehab program while you’re totally disabled.
  • Additional purchase option. Allows coverage add-ons on the fifth anniversary of your policy — without having to go through the full application process.
  • Cost of living adjustment (COLA). Increases your monthly disability payments each year in response to inflation.


  • Social insurance supplement (SIS) rider. Pays an additional benefit that’s reduced proportionally once the SIS benefit is approved.
  • Regular occupation extension rider. Extends the claim qualification to include other jobs besides your occupation.

Pros and cons of State Farm disability insurance


  • Unique product that protects your credit. State Farm offers a special disability product that pays towards your debt if you suffer a disability. This allows you to protect your credit score while you’re out of work, a product not every disability insurer offers.
  • Short and long term disability options. Many companies only offer short or long term disability. With State Farm, you can be fully covered under one insurer, which makes filing claims and policy management more convenient.


  • No online quotes. If you want to see what your rates and plan details might look like, you’ll have to speak to an insurance agent. Many competitors offer the ease of online quotes.
  • Paper claims filing. You’ll have to download, complete and submit paper claims forms when filing claims. Most insurers offer online or telephonic claims filing to lessen the hassle once you’ve suffered a disability.
  • Lack of product info its website. State Farm doesn’t make it easy to find product info on its website, making it hard to compare your options online. If you want to know your options for benefit levels, waiting periods or which riders are available, you’ll have to speak to a rep directly.

State Farm disability insurance reviews and complaints

State Farm isn’t accredited with the Better Business Bureau, but it has an A rating for customer service and interaction, as of October 2020. The BBB records 1,358 complaints over the past three years, and customers award State Farm 1.36 out of 5 stars. But these complaints and reviews reflect the company as a whole, and not just its disability insurance department.

It’s a similar story on TrustPilot. State Farm has 2.4 out of 5 stars, with many customers complaining about the claims process and staff members’ lack of empathy. However, most of the reviews centered on auto insurance.

State Farm’s financial strength

Your insurance company’s financial strength is crucial because you might not make a claim for years to come. State Farm scores the highest possible rating from AM Best and Standard & Poor’s, and reported $673 million in income in 2019. This means it has the financial resources to pay out claims in the foreseeable future.

As for customer satisfaction, the insurer topped the list of companies surveyed in J.D. Power’s latest life insurance study.

AM BestAA++ (Superior)
Standard & Poor’sAA (Very strong)
J.D. Power5 out of 5 circles

Compare alternatives to State Farm

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
Depends on provider
Get matched with one of 15 top life insurance companies to find the best coverage and rates for you.
JRC Life Insurance
$500 to $20,000
2 year to lifetime
30 - 365 days
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
$500 to $20,000
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Secure long-term disability insurance online by filling out an easy 10-minute application, even if you're a high income earner.

Compare up to 4 providers

How do I sign up for State Farm disability insurance?

Sign up for disability insurance by speaking with a local agent.

  1. On State Farm’s homepage, click Find an Agent.
  2. Type in your ZIP code.
  3. Adjust the distance and select your preferred language.

The system will generate a list of local agents and their contact details.

More about State Farm

Founded in 1922, State Farm originally focused on selling auto insurance to farmers. Over the years, the mutually owned insurer expanded to offer a full suite of insurance products. The Fortune 500 company has a network of 19,000 agents across the country and more than 83 million policies in force.

State Farm is committed to giving back to the community by offering auto and home safety programs and natural disaster recovery services. It also provides education grants through its Good Neighbor Citizenship Company Grants program.

Frequently asked questions

Disability insurance ratings

★★★★★ — 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.

Learn the details of our methodology and scoring.

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