Simple and affordable disability insurance

If you get sick or injured and can’t work, Haven Disability income insurance will be there to help cover the expenses that matter most.

Peace of mind for you and your family

No matter what life throws your way, Haven Disability can help you stay on track with your most important monthly expenses.


Apply online in minutes and get an instant decision. No appointments, no fluids.


Get individual short term disability coverage starting at less than $10 a month.


Start a disability insurance claim online anytime. If approved, receive benefits in as little as 7 days after your elimination period.

Learn how disability insurance works

Income protection at a price that makes sense

For a 35-year-old man

A $3,000 monthly individual disability insurance benefit costs $27.49 per month*

*Rate shown for a healthy non-smoking 35-year-old male guidance counselor from WA with 6 month benefit period and 14 day elimination period. Refer to important information about policy limitations and exclusions.

The average cost of a gym membership is $58 a month.1

The average American spends $228 per month on dining out.2

Cover your most important monthly expenses for the price of a few value meals.
Check your price

Disability coverage designed for the masses, 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


Cover what matters most with disability insurance

Haven Disability helps you cover the bills that matter most to you and your family – whatever they may be:

  • Your mortgage or rental payments
  • Your car payments
  • Your living expenses (like food, utilities, medical bills, etc.)

Getting a disability policy is as easy as 1-2-3

1. Get a quote

Tell us a little bit about yourself and your coverage needs to help determine the right amount of disability insurance for you.

2. Apply online

Complete our streamlined digital application in minutes and get an instant decision.

3. Rest assured

If you get sick or injured and your claim is approved, you'll receive disability income benefits to help make ends meet.

Phone reading "Cue the confetti, you're covered! Congratulations, you've got disability insurance."

Join the thousands
of customers who love Haven Life

We’ll be with you and your claim every step of the way

1. Notify us of your disability

Fill out our simple digital claims form if you face an injury or illness and can't work.

2. We'll immediately review your claim

If your disability claim is approved, you’ll receive your income benefits in as little as 7 days.

3. Focus on what matters

Your disability benefits will help you cover your most important bills, so you can focus on getting better.

Popular Haven Disability blog posts

Heard enough? Get a disability insurance 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: Annual Gym Memberships Can Be a Trap. Do This Instead, Healthline, Sep 2018

2 Source: Average food spending tops 10% of income. Here’s how to save money and still eat well, USA Today, May 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