What Are Some Ways To Lower The Cost Of Disability Insurance? 
If you are looking at purchasing disability insurance , the premiums are based on a few things such as occupation , health , benefit amount & elimination period . You can lower the premium by lowering the monthly benefit amount & are choosing a long elimination period which means the waiting period before the benefit is paid . You can use an elimination period of 30 , 60 , 90 & 180 days . The long the elimination period the lower the premium . 