I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 15, 2021

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Chances are you’ve heard of Allstate—their car insurance commercials air nationwide—but did you know they also offer disability insurance? Let’s take an in-depth look at just what this insurance giant has to offer.

Who is Allstate?

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Allstate was founded in 1931 and offers a wide variety of insurance options such as home, auto, and life insurance. They have been operating as one of the largest insurance providers in America and provide short and long-term disability insurance options.

Allstate’s accident insurance is the security net you need if you are in the unfortunate situation of having an accident. It can be hard to pay for things like hospital stays, ambulance bills, broken bones, and more. Allstate is here to help you in your time of need and provide you with the funds to cover your medical costs.

Disability Insurance from Allstate can protect you if you are suffering from a qualifying condition that causes you to be unable to work. On average, Allstate quotes up to 60 percent of your annual income to help pay with your expenses while you can’t work.

Some of the costs that can be paid for by Allstate’s disability insurance are car payments, house payments, and even groceries.

Allstate has been committed to caring for its customers for over half a century. They have been a top choice for millions of customers in America, have had a positive reputation that has stood the test of time, and offer a variety of policy options. As the Allstate slogan states, “You’re in good hands”—and they mean it.

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What Disability Insurance does Allstate Offer?

There are two main types of disability insurance that Allstate offers, short term and long term.

Their short-term disability insurance is for an injury or sickness that requires coverage usually under half a year at a time. The long-term disability insurance Allstate offers is typically a plan that lasts for many years or until retirement.

Allstate offers short and long-term disability insurance options that provide versatile coverage for any situation you are going through. If you qualify, Allstate covers off the job injuries and has flexible coverage options upon approval.

With the short- and long-term disability insurance coverage that Allstate offers, they quote up to 45 to 60% of your median income while you are too sick or hurt to work. If you have had a qualifying sickness or off-the-job-injury, Allstate pays a cash sum to alleviate the bills that pile up.

Allstate’s accident insurance covers things like hospital stays, ambulance bills, and other medical expenses related to your accident or sickness.

How Much Does Allstate Disability Insurance Cost?

On average, short- and long-term disability insurance from Allstate costs around 1 to 3 percent of your annual income. Depending on your specific plan and coverage, this percentage can slightly vary but in most cases will stay within the same range.

It’s essential to compare the costs of your disability insurance whether you require extended- or short-term coverage. The price of your disability insurance will vary between insurance providers and is subject to change depending on the plan you choose.

Your annual income is a significant factor in how much your yearly disability insurance will cost. If you are making $100,000 a year, for example, you can expect to pay between $1,000 and $3,000 per year for your coverage.

Since Allstate offers some optional riders along with your policy, they can assure you that you are truly getting value for what you pay. Allstate has an intuitive online system that allows you to get quotes and research the policy costs. The system Allstate has in place makes it fast and easy to get the information you are looking for.

The Pros & Cons of Disability Insurance with Allstate

There are many pros to Allstate’s disability insurance compared to other providers.

Pros

  • If you are injured or suffering from a sickness that causes you to be out of work, Allstate’s accident insurances covers a wide range of expenses.
  • In Allstate’s accident insurance plans, they cover many medical expenses like hospital stays, ambulance bills, and other related costs.
  • If you are put into the situation where you can’t work due to an illness or off-the-job injury, Allstate has coverage that ranges from 40 to 65% of your annual income. This payment can cover expenses like household necessities, mortgage payments, and more.
  • Any plan with Allstate will transfer with you between jobs, so you don’t need to worry about changing your insurance plan.
  • Allstate takes many steps to ensure the sign-up process is easy and has implemented many features to have a user-friendly experience.

Although Allstate offers some outstanding short- and long-term disability insurance plans, many consumers have had some problems related to their insurance.

Cons

  • Some consumers have not been able to qualify for short-term disability insurance because Allstate does not cover mental illnesses. This issue will happen in rare cases due to it often being a pre-existing condition.
  • Often your application will be accepted once applying for disability insurance but, in some cases, your medical condition could be classified as a pre-existing condition. This could cause your condition to be excluded from coverage.
  • Some of the plans offered by Allstate are not very versatile compared to the other options for disability insurance.

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Is Allstate Disability Insurance for You?

There are many factors to look at when deciding if Allstate disability insurance is the best choice for you. Although Allstate has incredible short- and long-term disability coverage, their plans are not versatile in comparison to other companies.

If you have determined you might be a good fit for Allstate’s disability insurance, their high reputation is an appealing factor. Their commitment to customer service is well above their competitors.

Allstate offers some great riders on their plans that usually make it worthwhile but, often their plans are not flexible. Given their policy costs are also similar to their competition, it is definitely important to shop around before settling on an Allstate policy.