​Breeze also offers a quick and easy online application process with automated underwriting, making it a convenient option for busy individuals.What we don’t likeBreeze is a relatively new company, founded in 2019, and doesn’t have the same history and reputation as other providers. Additionally, coverage is not available in all states, with limited options for New York residents.ProsOffers long-term disability coverage up to age 67Offers a variety of riders for additional coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or purchasingWhy we chose it: Guardian offers comprehensive long-term disability coverage with a variety of riders to customize your policy.Read our reviewWhat we likeGuardian offers long-term disability coverage up to age 67, with a variety of riders available for additional coverage. These include cost-of-living adjustments, future increase options, and catastrophic disability benefits. The company also considers a wide range of occupations for coverage, making it a good choice for those in high-risk professions.What we don’t likeGuardian doesn’t offer online quotes or purchasing, so you’ll need to speak with an agent to get a policy. Additionally, the company has received some negative reviews for its customer service and claims process.ProsOffers both short and long-term disability coverageOffers a variety of riders for additional coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or purchasingWhy we chose it: Mutual of Omaha offers both short and long-term disability coverage with a variety of riders to customize your policy.Read our reviewWhat we likeMutual of Omaha offers both short and long-term disability coverage, with a variety of riders available for additional coverage. These include cost-of-living adjustments, future increase options, and catastrophic disability benefits. The company also considers a wide range of occupations for coverage, making it a good choice for those in high-risk professions.What we don’t likeMutual of Omaha doesn’t offer online quotes or purchasing, so you’ll need to speak with an agent to get a policy. Additionally, the company has received some negative reviews for its customer service and claims process.ProsOffers both short and long-term disability coverageOffers a variety of riders for additional coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or purchasingWhy we chose it: State Farm offers both short and long-term disability coverage with a variety of riders to customize your policy.Read our reviewWhat we likeState Farm offers both short and long-term disability coverage, with a variety of riders available for additional coverage. These include cost-of-living adjustments, future increase options, and catastrophic disability benefits. The company also considers a wide range of occupations for coverage, making it a good choice for those in high-risk professions.What we don’t likeState Farm doesn’t offer online quotes or purchasing, so you’ll need to speak with an agent to get a policy. Additionally, the company has received some negative reviews for its customer service and claims process. 

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