Anyone who depends on an income to make ends meet should have long-term disability insurance
. But these plans only go so far: Long-term disability picks up where your short-term disability and emergency fund savings leave off.
When possible, start by getting a quote online. Several options on this list offer online quotes. It's a good way to get an idea of not only how much you'll pay, but also which companies will be the most affordable. Business Insider collected these scores, multiplying them by 100 to create a whole number score. A score of 100 in this data set is considered typical, with all companies on this list scoring below 100 in their complaint index.Data from the NAIC's Accident and Health Policy Experience Report provides data on individual insurance companies and each individual line of business. This report includes data on premiums collected through each line of business, and the number of policies issued.
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