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Disability premiums will cost about 2-3% of your income on average. it is hard to answer with an exact number, since it depends on your age, occupation, duties, health, your choice of long term or short term benefits, etc.

2-3% of income is the accepted average premium cost in disability insurance.

The rates can greatly vary from company to company and your age and health are important factors. Also, if you apply for additional riders (benefits) rates can vary even more. I would request a quote that includes ALL riders with details and see what works for you! Be well.

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11y ago
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Wiki User

13y ago

There is no simple answer to this because pricing for Disability insurance is dependent on so many different things: Gender, age, Occupation risk, Health, benefit type, etc.

To provide an accurate pricing, it is safe to estimate between 1-5% of your annual income.

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10y ago

This is impossible to calculate, it depends if you are male or female, smoker or not, what industry you work in, previous medical history or conditions.

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Q: How much are long term disability premiums on average?
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