How Much Does Private Disability Insurance Cost? 
how much does individual disability insurance cost ? It 's going to depend on many factors . Your age , your occupation , your health and build are factors . Inside the policy you may have to pay more for a better definition of disability , a cola rider , future insurability riders , and other features that depending on your choices and needs will either raise or lower the premium . The waiting period before the plan kicks in can save you money if you self insure that portion for as long as possible . The duration and not to mention the amount of benefit will also effect pricing . When considering a DI policy plug in and out the several features , for example a cola might have three options of 4,5 and 6 % to choose from . Each will change the premium . My suggestion is to plug in and pull out features till you get the combination of cost to benefit that you want . 