Like with any insurance, it’s essential to go with a suitable carrier. It’s the same way if you’re looking for disability insurance.

If you’re self-employed or don’t have enough coverage, you may be on the hunt for extra coverage. Knowing which steps to take will be crucial to your success.

First and foremost, look for the right rates for disability insurance. It’ll make your monthly insurance more affordable. Plus, it’ll put your mind at ease knowing you’ve found a good policy that’ll offer you protection.

Here are some tips that’ll make the decision-making process easier for you!

1. Look for Customizable Options and Discounts

Disability insurance that offers extra features is an excellent way to go. An example of an additional part is annual cost-of-living adjustments.

Besides customizable options, look for special discounts. If you buy your insurance and life insurance at the same time, there may be a discount. Ask the company before committing to anything.

Other people who may get a discount are students and business owners. A business owner may want to provide their employees with income protection. If you’re a business owner, ask if you can get a discount if you’re going to offer your employees extra perks.

Knowing all the available options and discounts will make the decision process more manageable.

2. Get Insurance While You’re Still Young

Disability insurance gets more expensive with age, so it’s best to select a plan while you’re still young. You can still get it if you’re older, but you can lock in a reasonable rate if you pick a plan while you’re young.

So if you’re wondering when is the best time to get covered, the answer is now!

3. Find Out if You Can Take the Coverage With You When Changing Jobs

Your company may provide disability insurance. Besides disability insurance through your company, you can have supplemental disability insurance. When you select your policy, you may have options that’ll help you. For example, see if you can keep the same company coverage when you change jobs.

Usually, you can take the insurance with you if you were paying the entire company premium. Ask these questions ahead of time, so you’ll know how coverage will work when you start employment with a new company.

4. Check Company Ratings

How is the insurance company rated? Check out what 3rd party services have to say about different companies. Ideally, it would help if you worked with a company that has an A+ or A++ rating.

You could go with a company that doesn’t have as high of ratings based on a referral. In some cases, the internet doesn’t always reflect how good a company is. You may have a friend or relative that has had disability insurance with a company for a while. See which companies they recommend.

They may recommend a company that doesn’t have that good of ratings. But that doesn’t mean they’re not an excellent insurer! Take everything into account when deciding on which insurance to go with.

5. Take Everything Into Consideration

Finding an insurance policy that has good ratings and fits your budget is essential. But don’t focus on one factor only. Take everything into account before making a decision.  

Ask lots of questions and feel confident before pulling the trigger. And keep in mind that even if a policy is affordable, that doesn’t mean it’s the best policy for you.


Selecting a disability insurance company takes a lot of care and consideration. Don’t take that lightly. If you should get ill or injured in the future, you want an insurance policy you can count on.

As you shop for the right company, consider all the options. Figure out whether you want to add anything on. And, of course, compare pricing. Don’t forget about the other tips I mentioned as well. Take everything into account. You’re bound to find an insurance policy that’ll offer protection when you need it the most!