How Much Does Disability Income Insurance Cost? 
Just like most insurance there are a lot of factors that go into calculating disability insurance . The underwriters are going to want to know your age , build , health status , tobacco use , life style and state of residence . Then they want to know your occupation , income , net worth and time on the job . There are 5 rating systems just on occupation alone . A `` white collar '' worker will get a much better rating than a `` blue collar '' worker . I highly suggest using an experienced independent broker to help you maneuver through the different policies and companies . In almost all cases our advice is free . 