List of CRNA Disability Insurance Providers
Home / CRNA Insurance / List of CRNA Disability Insurance Providers / Last Updated April, 2026
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Disability insurance protects a CRNA’s most valuable asset—your earning ability. The providers below are commonly used by nurse anesthetists for individual long-term disability coverage. Each card uses the same comparison fields so you can scan differences quickly. Definitions, riders, pricing, and availability vary by state, underwriting, and occupation class.
Guardian (Berkshire Life)
- Policy focus
- Individual long-term disability for high-income professionals
- True own-occupation
- Often available (policy and state dependent)
- Residual / partial
- Typically strong; confirm how partial claims are calculated
- COLA rider
- Often available (optional)
- Future increase option
- Often available (optional)
- Benefit period
- Commonly to age 65/67 (varies)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs prioritizing durable definitions and strong partial disability protection.
- Watch for: Confirm the exact own-occupation language and how residual benefits trigger for reduced hours or reduced income.
Ameritas
- Policy focus
- Individual disability with strong rider flexibility
- True own-occupation
- Often available (policy and state dependent)
- Residual / partial
- Available; confirm thresholds and duration
- COLA rider
- Often available (optional)
- Future increase option
- Often available (optional)
- Benefit period
- Commonly to age 65/67 (varies)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs who want strong own-occupation options with flexible rider choices over time.
- Watch for: Compare residual benefit definitions carefully—small wording differences can change real-world claim outcomes.
The Standard (Platinum Advantage)
- Policy focus
- Individual disability for professionals; specialty-friendly structures
- True own-occupation
- Often available (policy and state dependent)
- Residual / partial
- Available; confirm partial disability features
- COLA rider
- Often available (optional)
- Future increase option
- Often available (optional)
- Benefit period
- Commonly to age 65/67 (varies)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs comparing specialty-oriented policy structures and rider options.
- Watch for: Confirm specialty class, mental/nervous limitations, and how the policy treats partial return-to-work situations.
MassMutual (Radius / Radius Choice)
- Policy focus
- Individual income protection with customizable riders
- True own-occupation
- Often available (policy and state dependent)
- Residual / partial
- Typically strong; confirm terms and triggers
- COLA rider
- Often available (optional)
- Future increase option
- Often available (optional)
- Benefit period
- Commonly to age 65/67 (varies)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs who want a highly customizable long-term disability policy with strong rider availability.
- Watch for: Verify how the policy defines disability for specialty work and whether partial benefits remain strong over time.
Principal
- Policy focus
- Individual disability for medical professionals
- True own-occupation
- Often available (policy and state dependent)
- Residual / partial
- Available; confirm calculation method and triggers
- COLA rider
- Often available (optional)
- Future increase option
- Often available (optional)
- Benefit period
- Commonly to age 65/67 (varies)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs looking for specialty-aware protection with solid long-term career alignment.
- Watch for: Confirm occupation class and whether any limitations apply that could impact anesthesia-specific claims.
Mutual of Omaha (Mutual Income Solutions)
- Policy focus
- Individual disability with flexible design options
- True own-occupation
- May be available depending on product/state
- Residual / partial
- Available; confirm structure and thresholds
- COLA rider
- May be available (optional)
- Future increase option
- May be available (optional)
- Benefit period
- Varies by plan design
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs who want a flexible design approach while comparing pricing and rider combinations.
- Watch for: Confirm own-occupation language and any limitations that could affect specialty-based disability claims.
Unum / Reliance Matrix
- Policy focus
- Major carriers for group plans; some individual offerings exist
- True own-occupation
- Varies widely by product and employer plan design
- Residual / partial
- Varies; employer plans often differ from individual policies
- COLA rider
- Varies by plan
- Future increase option
- Varies by plan
- Benefit period
- Varies; often tied to employment plan terms
- How CRNAs access it
- Commonly through employer-sponsored group benefits
- Best for: CRNAs evaluating employer group LTD and identifying gaps that may need supplementation.
- Watch for: Group plans often have caps and restrictive definitions—verify whether “own-occupation” truly protects anesthesia practice.
Aflac
- Policy focus
- Short-term and supplemental disability coverage
- True own-occupation
- Not the typical structure; product dependent
- Residual / partial
- Varies by product
- COLA rider
- Not typical; product dependent
- Future increase option
- Varies by product
- Benefit period
- Short-term / supplemental design (varies)
- How CRNAs access it
- Often through workplace voluntary benefits
- Best for: CRNAs who want supplemental short-term protection layered with long-term disability planning.
- Watch for: Short-term and supplemental policies do not replace a true own-occupation LTD policy for high-income anesthesia practice.
Provider summaries are for educational purposes only and do not constitute endorsements. Disability policy terms, limits, riders, and pricing vary by state, occupation classification, health history, and carrier underwriting. CRNAs should review policy details and consult qualified professionals before making coverage decisions.
Reviewed by Kelley Nichols, CRNA
Co-Founder of TheCRNA.com, with over two decades of experience in critical care and anesthesia practice, actively working as a CRNA and providing clinical oversight across TheCRNA.com.