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Disability Insurance: Evaluating Individual Policies

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If you are in the market for a disability income policy, you probably won’t find a plan that has exactly what you want. As with most other things in life, compromises will have to be made.

You can learn about policies available with quotes and clear comparisons for different types of coverage and policies at websites such as offsite link

If you still have questions, consider using our Disability Insurance Evaluator which permit s you to compare available plans easily to help you make an educated decision based on your own priorities.

How our disability evaluator works

The Evaluator lists each of the most common features of a Disability Insurance plan.

The Evaluator helps you rate each feature you care about - both as to the importance of each feature to you, and how the policies compare with respect to that feature to each other.

The more features you compare, the more accurate the result will be. The Evaluator will provide a running total of the features you choose. It's the comparison of the totals that counts, not the absolute totals. For example:


Plan 1

Plan 2

Plan 3

Example A: Total




Example B: Total




In Example A, Plan #2 is likely best for you. In Example B, it's Plan #3.

As you use the Evaluator, you may decide that previous ratings you entered should be changed. You can go back and change them as many times as you like.

If you log in, your work will automatically be saved on your Individual Home Page.

Do not rely solely on the totals

Even though the Evaluator is designed to give you a reasoned recommendation, it is only a tool. When you compare totals, ask: is the result as you expected, based on your overall impressions of the plan? If so, you've probably found the best plan for you. If not, review your answers, especially the importance ratings of various features. Discuss your questions with an unbiased professional, such as an experience insurance broker. (To learn more, see: How To Choose An Insurance Broker.)

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