Why You Should Trust Us
Investopedia reviews are based on thorough, unbiased research and analysis conducted by our team of experts. We compiled this list of the best short-term disability insurance companies by gathering data on six providers. We considered factors like coverage maximums, riders, and premiums to provide an objective evaluation. Investopedia was founded in 1999 and has reviewed disability insurance companies since 2020.
How We Chose the Best Short-Term Disability Insurance Companies
Investopedia’s list of the best short-term disability insurance companies is based on extensive research of six providers. Insurance companies had to meet Investopedia’s transparency and financial strength standards to be considered for this list. We compared each company based on 26 criteria. We collected the data from company websites, media representatives, AM Best, and customer service calls. The research took place from April 1 to April 15, 2025.
Next, staff editors and research analysts created a quantitative model that scored each company on 10 major categories. We weighted the categories as follows:
- Riders: 21%
- Maximum monthly benefit: 18%
- Percentage of covered income: 15%
- Minimum elimination period: 10%
- Quotes: 10%
- Online features: 10%
- Minimum benefit period: 7%
- Exclusions: 4%
- Financial strength: 3%
- Maximum issue age: 2%
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