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Disability insurance coverage for car owners

Keep your wheels turning if you can't work

Haven Disability is an easy, affordable way to cover your monthly auto expenses if you're sick or injured.

Haven Disability for car owners at a glance

Product type Short term disability income insurance
Issued by Massachusetts Mutual Life Insurance Company (MassMutual)
Application Digital
Age eligibility 18-55
Coverage amounts $500 - $5,000
Benefit period options 3, 6, and 12 months
Elimination period options 14, 30, and 60 days
Premiums paid Monthly or annually
Benefit payments Tax-free
Guaranteed renewable To age 65
Availability All states except CA, DE, FL, MT, ND, NY, SD, and WY (more coming soon)

Learn how disability insurance works

Getting around isn't optional

Average monthly car payment in the U.S.

$568 per month1

For a 25-year-old man

A disability insurance policy with a $750 monthly benefit costs $11.54 per month*

* Rate shown for a healthy non-smoking sales clerk from WA with a 6 month benefit period and 14 day elimination period. Refer to important information about policy limitations and exclusions.

The average cost of a tank of gas for a compact car is about $27.2

And you can get a disability insurance quote in less time than it takes to fill the tank.
Check your price

Protection you can count on, backed by MassMutual

Every Haven Disability income insurance policy is issued by MassMutual, one of the country’s oldest and most reliable insurers.

A++ A.M. Best rating for financial strength and claims-paying ability3

$6.2 billion combined insurance and annuity benefits paid in 20204


Join the thousands
of customers who love Haven Life

Heard enough?
Get a quote today.

It’s important to be honest in the application process. The issuance of the policy or payment of benefits may depend upon the truthfulness of answers you give in the application.

1 Source: Automotive Industry Insights State of the Market Report, Experian, Q2 2020

2 Source: Based on a 12 gallon tank. An average gallon of gasoline cost $2.248, U.S. Energy Information Administration, Oct 2020

3 Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of February 1, 2021 and is subject to change. MassMutual has received different ratings from other rating agencies.

4 Source: MassMutual 2020 Annual and Corporate Responsibility Report