Breeze sells direct-to-consumer short-term and long-term disability insurance online. RMO MyShield is a member-based income-disruption protection plan. Here’s how the two compare on what triggers a payout, how the benefit is shaped, and what the application looks like.
Both target the modern direct-buyer who skipped the agent. Their products diverge underneath.
Breeze is regulated disability insurance with medical underwriting. MyShield is a member-protection plan with no medical underwriting and a different qualifying-event definition.
RMO MyShield vs. Breeze disability insurance on application speed, benefit shape, and what counts as a covered event.
| Feature | RMO MyShield | Breeze |
|---|---|---|
| Product type | Member-protection plan | Online disability insurance (STD and LTD) |
| Application | Member application via MyRMO | Online quote + medical underwriting |
| Medical underwriting | No | Yes — health questions and possible records review |
| Benefit shape | Flat monthly benefit by tier | Up to 60% of monthly income (subject to plan/state limits) |
| Elimination period | Short member-protection claim windows | 30-365 day elimination period selected at application |
| Benefit duration | Per MyShield plan terms | 6 months to 5 years (STD) or to age 67 (LTD) |
| Covered events | Job loss, disability, hospitalization, qualifying disruption | Medically certified disability only |
| Pricing factors | Tier only — same price all ages | Age, occupation class, health, benefit amount, elimination/benefit period |
| Household coverage | Plan covers household | Per-applicant policy |
| Bundles with other products | Yes — RMO membership ecosystem | Standalone |
Comparison details summarized for context. See RMO MyShield plan disclosures and Breeze policy documents for complete benefit amounts, elimination periods, exclusions, and conditions.
Breeze is excellent at one thing: getting a real disability policy issued online quickly. MyShield is a broader household safety net for shorter-term disruption with no underwriting friction.
Personal Membership unlocks every RMO Protection plan including MyShield I-IV. Apply in minutes online.
Tier I covers basic necessities. Tiers II-IV expand to housing, transit, childcare, medical, and debt. Pick what matches your household risk.
If a covered income-disruption event occurs, file via MyRMO. Approved claims pay a monthly benefit you can use for what your tier covers.
It depends. Breeze premiums vary with age, occupation, health, and the elimination/benefit period you choose. MyShield is a flat monthly tier. For young, healthy professionals with desk jobs, a Breeze STD policy may be inexpensive; for older buyers or higher-risk occupations, MyShield’s flat tier can come out cheaper while also covering job-loss triggers.
Yes. MyShield is a member-protection plan and is not tied to employment. Breeze offers self-employed disability options, but typically requires income documentation.
Disability insurance covers inability to work due to medical disability, not unemployment. MyShield covers a broader set of qualifying events including job loss.
Yes. Many members layer a Breeze long-term disability policy for big-medical-event protection with MyShield for shorter household-disruption protection.
Breeze pays after a chosen elimination period (30-365 days) and continuing approval of the disability claim. MyShield pays a monthly benefit after a covered event is confirmed under the plan terms — designed to bridge faster, shorter disruptions.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Become an RMO member and choose the MyShield tier that matches your household risk. One flat monthly tier — no per-policy underwriting, no age-based premiums.
