How Much Is Private Disability Insurance? 
The premium price tag from one company to the other on basic coverage can vary as can the additional riders purchased al la carte . It also depends on your personal information like your gender , age , smoking status , health history , current medical condition and paramed exam results . Your premium price tag is also dependent on your behaviors like : motor vehicle violations , dangerous recreational activities and vocational hazards . A non-smoking male age or female age 45 may spend 3 to 5 % of their income to cover 60 % of their compensation for tax free benefits . If the business is expensing the disability premium , you can apply for 80 % compensation coverage , but the benefits will be taxable as ordinary income . 