Offers individual plans that can help supplement up to 70% of your income.

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

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

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

Companies like Prudential, Mutual of Omaha, and MetLife also offer high-rated individual disability products. Estimated Costs

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

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

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Can I Buy Short Term Disability Insurance On My Own (2026)

Offers individual plans that can help supplement up to 70% of your income.

Ranked as top picks for individual coverage by reviewers from Investopedia . can i buy short term disability insurance on my own

A digital-focused option popular for self-employed individuals with quick online quotes. Offers individual plans that can help supplement up

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 Mutual of Omaha

Companies like Prudential, Mutual of Omaha, and MetLife also offer high-rated individual disability products. Estimated Costs

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

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