What Should Disability Insurance Cost? 
To be fair , disability insurance can be very pricey depending on the type of policy you have . The younger you are , and the less you make , the cheaper it will be to insure your paycheck . The premium is dependent on the type of coverage you desire -LRB- typically 60-65 % -RRB- , the benefit period -LRB- 2yrs , 5 yrs , to age 67 , etc. -RRB- , the waiting period -LRB- 90,180 , etc. -RRB- , your age , the disabling definition , your occupation , etc. . Also , if you smoke or have any pre-existing conditions , that all plays a factor . Unless you 're receiving DI from work , where the premium is a set amount , it 's completely different person to person . The more extensive the coverage , the more expensive the premium . 