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CNBC Ranks Top Disability Insurers Amid 25% Young-Adult Risk

5/28/2026

Summary

Story summary

CNBC Select ranked Guardian, Breeze, Assurity, The Standard and Mutual of Omaha as top insurers, evaluating policy features, benefit periods, payouts and financial-strength ratings.
The Social Security Administration estimates that about 25% of 20-year-olds may become disabled before retirement.
Private policies usually cost 1%–3% of salary, about $1,000–$3,000 annually for a $100,000 earner.
They replace 40%–70% of income and may add riders including premium waivers, home-modification coverage and student-loan repayment.

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Story summary

CNBC Select ranked Guardian, Breeze, Assurity, The Standard and Mutual of Omaha as top insurers, evaluating policy features, benefit periods, payouts and financial-strength ratings.
The Social Security Administration estimates that about 25% of 20-year-olds may become disabled before retirement.
Private policies usually cost 1%–3% of salary, about $1,000–$3,000 annually for a $100,000 earner.
They replace 40%–70% of income and may add riders including premium waivers, home-modification coverage and student-loan repayment.