How Is Disability Insurance Calculated? 
Disability insurance is a morbidity product that is priced on the average events that cause workers to be unable to perform their duties . But the averages ca n't account for personal medical items , so disability premiums are price on gender , age , smoking status , health history and current medical conditions . The design of the policy also has an impact via the elimination period , the length of coverage , the amount of coverage and ancillary riders like inflation or COLI riders . 