Most disability insurance projects cost between $50.00 and $200 per month, with a typical price near $100. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical disability insurance cost
$50.00 – $200
per month · typical $100
A general planning range, not a quotation.
Disability insurance cost breakdown
- Short-term$30.00 – $100typical $50.00
- Long-term$60.00 – $200typical $100
- Own-occupation$100 – $300typical $150
What Disability Insurance costs
Monthly premium for individual disability insurance covering 60-70% of income. Short-term policies are cheaper; long-term and own-occupation cost more.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
What is the elimination period?
The waiting time before benefits start, typically 30-90 days. Longer elimination periods lower premiums.
What percentage of income does disability insurance replace?
Most policies replace 60-70% of income. Higher replacement percentages cost more.
Is disability insurance tax deductible?
Premiums paid with after-tax dollars result in tax-free benefits. Employer-paid premiums mean benefits are taxable.