disability insurance

Space to focus on what matters.


how it works

A paycheck when you need it most.

Long-term disability insurance gives you a paycheck if you get hurt and can’t go to work.

Create a free account to get quotes

A Saturday account allows you to request quotes directly from top insurers. No agents or salespeople necessary.

Buy online, when ready

When you're ready, you can apply online and we'll handle all the paperwork. Experts are here to help if you need it.

Take the time you need

If you get hurt, you can focus on getting better instead of worrying about paying the bills.

Ready to get started? Create an account and request a quote today!

assess your needs

Is long-term disability insurance right for you?

Do you work 30+ hours per week?
Does your work disability insurance cover less than 60% of your salary?
If you got hurt and couldn't work, would you have difficulty covering your monthly expenses?

get a quote

Disability insurance is a critical part of any sound financial plan.

Here are some examples of recent long-term disability insurance rates.*

$148/ mo *

covers $75,000 salary

30 year-old woman

$374/ mo *

covers $150,000 salary

40 year-old man

$496/ mo *

covers $200,000 salary

35 year-old woman

Get started

* Actual quotes for an individual in good health and covers 60% of salary until age 65. Your pricing may differ and is subject to insurer review of your application. Guarantees subject to claims-paying ability of insurer.


Not sure where to start?

We’ve got answers to the top 5 questions about disability insurance.

The US government estimates that 1 out of 4 workers will get hurt and become disabled at some point in their career.

Long-term disability insurance is designed to give you a paycheck if you get hurt and can’t work. It helps you pay the bills, so you can protect those who depend on you and focus on getting better.

Anyone who works and depends on a paycheck should have long-term disability coverage in place.

Here are the key things to consider when selecting a long-term disability policy:

Coverage or Benefit amount — this is how much you'll receive if you get disabled. Experts recommend targeting benefits equal to 60% – 70% of your income.

Elimination period — this is how long you must be disabled before you can start receiving benefits. Most people find an elimination period of 90 to 180 days is the best balance of protection vs. cost.

Benefit period — this is how long you'll receive benefits for if you get disabled. It’s ideal to have benefits through age 65 but having a 5 or 10-year benefit period instead could save you 10–20% on your premium.

Definition of disability — while there are a couple of definitions available, we recommend getting the strongest definition you can afford, especially if you are in a very specialized line of work. Our team of experts will to help you navigate this decision during the quoting and application process.

Cancelability — some policies allow the insurer to raise rates or cancel the policy under certain circumstances. Experts recommend buying non-cancellable policies so your insurer can never change your rates or cancel your policy as long as you are paying your premium.

While this may seem like a lot of choices, it’s not much different from customizing your car or homeowner’s insurance. At Saturday, you can do everything online at your own pace and we’ll be here to help anytime you need us.

Group long-term disability is insurance offered through work and usually paid for by your employer. Individual long-term disability insurance is what we offer here at Saturday Insurance — disability insurance that you buy on your own.

Group disability is your first line of defense because it’s usually free and doesn’t require a medical exam. Even if it’s not free, group disability is also usually much cheaper than individual insurance. In general, experts recommend you max out your group disability coverage as much as you can, even if you need to pay a little extra out of your pocket.

If you don’t have group disability coverage at work or if your work covers less than 60% of your pay, then you likely need an individual long-term disability policy.

Once you’ve received your quotes and have selected a policy, you’ll can apply online with Saturday.

After we submit your application, most insurers will want to have a phone call with you to fully understand your work and medical history. Depending on this discussion, the insurer may also request additional information from your doctor or ask you to undergo a free health checkup. If needed, the free health checkup takes less than 30 minutes and is done by a licensed professional whenever and wherever it’s convenient for you.

Once our insurers have all the necessary information, they’ll review your application and let us know once they’ve made a decision. We will be with you every step of the way and do our best to get you approved as quickly as possible.

To make sure everyone pays a fair rate for their disability insurance, insurers may do an assessment of your health which may require an in-person health exam. It’s a straightforward process that should only take about 30 minutes.

If an exam is necessary, the insurer will have a trained technician contact you to setup an appointment at a time and place convenient for you. They can meet you at home, work or at one of several approved labs in your area. The process involves asking a few health questions, taking basic measurements (e.g. height, weight, blood pressure), and potentially taking a blood sample.

All the information obtained during the exam is kept strictly confidential and used for assessing your insurance application only. You will also receive a copy of all test results.

Have more questions? Check out our FAQs.


Our mission is to help you build financial security.

Customer first, always

No hidden fees or conflicts of interest. We do what's right for our customers every single day.

World-class partners

We partner exclusively with top insurers to bring you the products that matter most.

Designed for you

Simple products, advice written for normal people, and a streamlined buying process.

Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.