Ameritas Disability Insurance Review (A Rated)
Ameritas reviewed: A, up to $12,000/month, own-occupation yes, 49 states. Definitions, limits and what to verify.
Ameritas carries an AM Best rating of A, writes individual disability up to $12,000 a month, and offers own-occupation coverage: yes. Available in 49 states. Good fit for dentists and optometrists through association plans.
Carrier snapshot
| Attribute | Detail |
|---|---|
| Financial strength | A |
| Maximum monthly benefit | $12,000 |
| Own-occupation | Yes |
| Footprint | 49 states |
| Carrier type | Mutual carrier |
For a contract that may pay for thirty years, the carrier’s balance sheet matters more than it does for a one-year policy. Any rating at A or above is solid; the differentiator is the definition and the claims reputation.
What to verify before applying
- Get the actual policy specimen, not the marketing summary.
- Confirm the own-occupation definition and whether it is limited to a period of years.
- Check the other-income offset and how group benefits reduce the payout.
- Ask about the mental/nervous limitation and the residual disability trigger.
Ameritas is a strong choice for professionals needing high limits and a clean own-occupation definition.
Cost positioning
Premiums vary by age, health class and occupation, so compare on identical specifications: same benefit period, same elimination period, same riders. A cheaper quote usually reflects a weaker definition rather than a better deal.
Ameritas: A rated, up to $12,000/month, own-occupation yes. Compare definitions, not quotes.