Top Disability Insurance Carriers
Protect your income if you can't work due to injury or illness. Compare the leading Short-Term (STD) and Long-Term Disability (LTD) carriers serving business owners, independent contractors, and self-employed professionals — including construction workers, electricians, plumbers, tax professionals, physicians, nurse practitioners, and more.
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Own-Occ Coverage
Movers & Shakers — Disability, 2026 Group Survey
- Unum — enters at #9, the largest US group disability carrier
- MetLife — enters at #10, #2 in group long-term disability
- Assurity Life — drops out
- Aflac — drops out
Milliman's 2026 U.S. Group Disability Market Survey ranks Unum #1 in both LTD and STD new sales, with MetLife #2 in LTD.
Guardian and Northwestern Mutual remain the leaders for individual own-occupation coverage — Northwestern Mutual is top-ranked for disability income insurance.
Who needs disability insurance?
If you rely on your income — especially as a business owner, independent contractor, or self-employed professional — disability insurance replaces a portion of your income if you can't work due to injury or illness. It's essential for construction workers, electricians, plumbers, tax professionals, physicians, nurse practitioners, and anyone without employer-sponsored coverage.
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