The top disability insurance companies are few and far between because most insurance companies don't write these types of policies due to how expensive and complicated they can be for the insurance providers. Most of the time disability insurance is only provided to larger businesses who have a lot of employees paying into the fund, but rarely to individuals who want a personal policy. However, there are a few companies that stand out above all the rest and a few of them are listed below, helping you to direct your search to disability insurance providers who will give you the right type of plan and protection.
Rated A plus plus by A.M. Best, AAA by Standard & Poor's and AAA by Fitch, Mass Mutual is widely considered one of the best disability insurance companies out there, offering disability insurance policies to individuals and companies alike. Their personal policies, which are much harder to write and cover effectively, are also affordable and flexible, with riders that provide additional coverage. They are considered ideal for small to medium sized business owners and people with families who make more then sixty thousand dollars per year. As Mass Mutual is based out of the Northeast, it may be easier to get a policy in that region of the country.
Rated an A plus by A.M. Best and an AA minus by Standard & Poor's, The Hartford financial group offers disability policies primarily to businesses who want disability insurance for their employees, though they can also offer it to individuals. They are an international company based out of the United States with nearly thirty thousand employees and 2.1 billion dollars of income annually, so they are a reliable place to put money away for people who work for your business. The Hartford offers group disability insurance which is a fund that is created at a business that is invested for the company so it can make even more money while it sits waiting to be paid out. They also have short term and long term disability insurance, as well as the ability to integrate these plans if necessary.
For years AIG was by far the top rated disability insurance company in the world, with the highest ratings possible from A.M Best, Fitch and Standard & Poor's. They specialized in employer sponsored short term disability insurance, providing income to employees who can't work int he short term due to sickness or injury, as well a voluntary long-term disability insurance protection which was available on a group basis, making it ideal for a large company. However, due to the financial meltdown of 2008 which almost sent the entire world spiraling into an economic depression of catastrophic proportions, AIG fell from it's perch and lost a lot of money and reputation points. Since everything has settled down in the last few years, AIG has resumed it's place as a reliable insurer and will try again to rise to be one of the best disability providers in the world. Due to the fact that they are under such scrutiny from the government and the public as well, it may be one of the best places to get disability insurance, as you know they'll follow the rules and treat their customers right from here on out.