Can I Buy Short Term Disability Insurance On My Own May 2026

Yes, you can buy short-term disability insurance on your own , though it is less common than getting it through an employer. Individual policies are available directly from insurance companies or through independent agents.

Ranked as top picks for individual coverage by reviewers from Investopedia .

Buying privately is generally more expensive than group coverage because you lose out on employer subsidies and group rates. How Much Does Short-Term Disability Cost? | Aflac can i buy short term disability insurance on my own

A digital-focused option popular for self-employed individuals with quick online quotes.

Companies like Prudential, Mutual of Omaha, and MetLife also offer high-rated individual disability products. Estimated Costs Yes, you can buy short-term disability insurance on

Provides policies with one- and three-year benefit periods.

Offers individual plans that can help supplement up to 70% of your income. Buying privately is generally more expensive than group

While some major insurers like Guardian Life only offer short-term disability through employers, several others provide individual options: