At What Age Does Disability Insurance Stop?

Shawn Plummer

CEO, The Annuity Expert

Disability insurance typically stops providing coverage at age 67. However, some policies allow renewal up to age 70, although the benefits might be reduced to half of the original amount.

Key Points About Disability Insurance Coverage Age

  1. Standard Termination Age: Most disability insurance policies end at age 67.
  2. Renewal Options: Some insurers offer the option to renew coverage beyond age 67.
  3. Reduced Benefits: Upon renewal after age 67, benefits may be reduced, often to 50% of the original coverage.

Factors Influencing the Termination Age of Disability Insurance

  • Policy Type: Different policies have varying age limits.
  • Insurer’s Terms: Each insurer has specific terms and conditions regarding the age limit.
  • Occupation: Certain professions might have different coverage age limits.

Disability Insurance Coverage by Age

Age RangeTypical Coverage TerminationRenewal OptionBenefit Reduction Upon Renewal
Under 67Up to age 67Not ApplicableNone
67-70Can renew to age 70AvailableBenefits reduced to 50%

An Alternative Solution May Be Non-Traditional Disability Insurance Markets

  • Extended Coverage: Non-traditional disability insurers might offer coverage up to age 70.
  • Varied Terms: These markets may have terms and conditions different from standard policies.


Disability insurance is a crucial financial safeguard that typically stops at age 67. Some policies offer the flexibility to extend this coverage to age 70, albeit with reduced benefits. Understanding these age-related terms is essential when selecting a disability insurance plan, ensuring you have the right coverage for your needs and life stage.

Contact us today for a free quote.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top