Are disability insurance policies different in different states? The short answer to that question is yes. Disability insurance companies charge more in states where they have experienced higher claims. For example, insurance companies may havea higher premium amounts in some states (California is an example) because of higher claims. Also, in some states, the definitions in the policies are different. For example, again in California, Guardian Life Insurance has more liberal definitions for some parts of their disability insurance policy than their subsidiary company Berkshire Life does in the other 49 states. Why is that? In California Guardian has kept their older policy while a revised policy (still one of, if not the best) in all other states. At Protectyourincome.com we can help you sort through this by helping to find the right policy for you where you live. Call us anytime at 866 691 0100 or follow this link to visit the web site and request disability insurance quotes.