Disability Insurance costs, by state and province

Typical costs for disability insurance per month. Income level and waiting period strongly affect the premium. Open a market below for a local estimate.

Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. Premiums typically range from 1% to 3% of your annual income, meaning a $50,000 salary could cost $500 to $1,500 per year. Actual rates depend on age, occupation, health, and benefit waiting period.

What Drives the Price

Your age and occupation are the biggest factors; a 40-year-old construction worker pays far more than a 30-year-old accountant. Policies with shorter elimination periods (e.g., 30 days vs 90 days) also increase premiums by 15% to 30%. For example, a $3,000 monthly benefit might cost $100 per month for a low-risk professional.

Short-Term vs Long-Term

Short-term disability covers 3 to 6 months and costs roughly $100 to $300 per year for a typical policy. Long-term disability covers years or to retirement, with annual premiums between $500 and $2,000. Employer-sponsored plans often reduce these costs by 50% or more.

How to Compare Quotes

Get quotes from at least three insurers like Guardian or Principal, comparing the same benefit amount and waiting period. A 30-year-old non-smoker in a desk job might pay $50–$80 monthly for a $5,000 monthly benefit with a 90-day elimination period. Always check if the policy is 'own occupation' or 'any occupation'.

Typical Disability Insurance prices
ItemTypical range
Typical Annual Premium$500 - $2,000
Percentage of Income1% - 3%
Monthly Benefit Range$1,000 - $10,000
Waiting Period Options30 - 90 days

Every market for disability insurance costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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