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Disability Insurance


If you rely on your paycheck to pay your bills, you should have this coverage!

There are two main types of disability insurance — short-term and long-term, covering a portion of your paycheck. Some long-term policies cover additional services, such as training to return to the workforce.

The annual price for a long-term disability insurance policy ranges from 1% to 3% of your annual income.* 

A variety of factors affect the cost:

  • Your age and health

  • Your gender

  • Whether you smoke

  • Your occupation

  • The types of disabilities covered by the policy

  • Length of waiting period

  • Your income 

  • Length of benefits

  • Extra features

*Council for Disability Awareness. 

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