| Option | Typical Cost |
|---|---|
| $30K–$50K | $40–$50 |
| $50K–$100K | $50–$81 |
| $100K–$200K | $60–$98 |
| $200K–$500K | $70–$114 |
| $500K+ | $100+ |
Compare providers near you
| Factor | Monthly Premium |
|---|---|
| 30-year-old office worker ($75K salary) | $50–$100/month |
| 40-year-old professional ($100K salary) | $100–$200/month |
| 35-year-old physician ($250K salary) | $200–$500/month |
| 45-year-old tradesperson ($60K salary) | $150–$350/month |
Disability insurance costs 1–3% of your annual income and replaces 50–70% of your salary if you can't work due to illness or injury. One in four workers will experience a disability lasting 90+ days before retirement. The most critical policy feature is the definition of disability: "own occupation" pays if you can't do YOUR specific job, while "any occupation" only pays if you can't do ANY job — always get own-occupation coverage if possible. Employer group disability is a good start but typically only covers 60% of base salary (not bonuses) and may not be portable if you leave.
Disability Insurance premiums are calculated from risk factors specific to your situation. Carriers weigh these factors differently, which is why quotes vary so widely. Your claims history, location, coverage limits, and deductible all interact to determine your rate.
The cheapest policy is not always the best value. Coverage exclusions, claim response times, and financial stability of the carrier matter when you actually need to file a claim. Check AM Best ratings for financial strength and J.D. Power for customer satisfaction before choosing based on price alone.