Disability Insurance
Compare Disability Insurance Rates
Disability insurance replaces part of your paycheck, typically 50% to 70%, if illness or injury keeps you from working. Short-term policies cover a few months; long-term policies can pay for years or until retirement. Your age, occupation, health, income and the waiting period you choose affect the price.
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How much does disability insurance cost?
Typical cost as a share of income. Figures will be added once verified.
| Coverage profile | Average cost |
|---|---|
| Long-term disability (% of income) | Data coming soon |
| Short-term disability (monthly) | Data coming soon |
Averages are for illustration only. Your actual rate depends on your personal details and the insurer.
What affects your rate
- Occupation
- Age and health
- Income
- Benefit amount and period
- Elimination (waiting) period
- Own-occupation definition
Ways to save
- Choose a longer waiting period
- Buy while you're younger and healthy
- Check what your employer already provides
- Compare definitions of disability, not just price
Disability Insurance coverage, explained
Short-term disability
Pays for a few weeks to months after a short waiting period.
Long-term disability
Pays for years or until retirement after a longer waiting period.
Frequently asked questions
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