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Disability insurance coverage for renters

The rent won't wait. Neither do we.

If you get sick or injured and can't work, Haven Disability has you covered with painless disability claims and ultra-fast processing.

Haven Disability for renters 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

We'll help you cover the rent if you can't work

Average monthly apartment rent in the U.S.

$1,463 per month1

For a 35-year-old-man

A disability insurance policy with a $1,500 monthly benefit costs $15.25 per month*

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

If you subscribed to three popular video streaming services, it would cost about $37 a month.2


You know what’s a cool thing to do while binge-watching a show?
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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


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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: What’s the Average Monthly Mortgage Payment?, Ramsey, May 2020

2 Source: Hulu just cut prices – here’s how it compares to other popular streaming services, CNBC, Feb 2019

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