Meet our

Disability Insurance

We can help protect a portion of your paycheck from the unexpected that keeps you from working.


Approximately one in eight workers will deal with a disability that prevents them from working for five years or more¹.

What is disability insurance?

What is disability insurance?

Disability insurance is a type of insurance that provides you with a monthly payment benefit if you become disabled and are unable to work.

There are two common types of disability insurance policies to consider ² :

  • Short-term disability

  • Long-term disability

Two types of insurance

The main difference between long-term and short-term disability insurance is the length of time benefits may be payable.

Short term

Short-term disability policies typically cover a policyholder for up to a year, although some policies may extend longer than that³.

Long term

Long-term disability policies typically cover a policyholder for anywhere from two years up to the policyholder’s retirement age⁴.

If you suffer from a sickness or injury and cannot work, disability insurance can provide you with income to help you maintain your quality of life.

How much does disability insurance cost?

How much does our disability insurance cost?

The cost depends on many factors, some of which are— the monthly amount of disability payments you want, how long you want to receive monthly payments, how old you are, what type of job you do— all contribute to how much your disability policy will cost. 
You can find out how much you can expect to pay by using our online quote tool.

Protect yourself and those you love.

Our disability policy can help offset unforeseen costs in the event you can’t work.

Family with baby

Is disability insurance taxable?

Most people do not have to pay taxes on their disability benefits. If you made your premium payments with after-tax dollars, typically you are in this majority and will not be taxed on your benefit payments ⁶.

How does our disability insurance work?

How does our disability insurance work?

Here are the major factors you should look for when considering a disability insurance policy:

Benefit amount

How much you will receive each month if you are unable to work due to a disability.

Elimination or 
Waiting period

This is the time between when your disability occurs and the time when your monthly payments begin. Elimination periods we offer are 90 or 180 days.

Benefit term

The amount of time you receive benefits. You can choose a benefit term from five to 20 years.

Disability definition

This is used to determine whether your sickness or injury will qualify you for disability benefits.

Premium amount

The regular payments you make for your disability insurance policy⁵.

Once you are approved for a disability insurance policy, you will begin making regular premium payments. In the event you become disabled under the policy, you can submit a claim to us to review. 
If your claim is approved, you will begin receiving benefits after your waiting period.

How long does disability insurance last?

How long does disability insurance last?

Our disability insurance policies can provide benefits to you based on your individual needs, from five to 20 years.

Quick quotes

Let’s help you find out how much coverage you’ll need.

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Disability insurance advice & insights

If you are looking for more information on Disability Insurance, Guardian Direct has resources that you can use to help make an informed decision.

Disability Insurance Benefits

Disability Insurance Cost

Disability Insurance Examples

Disability Insurance For Individuals

Disability Insurance - How Long Does It Last?

Disability Insurance - How Much Does It Pay?

Disability Insurance Requirements

1, 2020
2, accessed April 2021
3, accessed February 2021
4, 2018
5, accessed February 2021
6, 2019