Disability Insurance Cost Calculator

Our Disability Insurance Cost Calculator estimates the disability benefit you need based on your income, career, and health. This calculator provides low- and high-end estimates for disability insurance premiums. You can obtain a free quote for disability insurance using our form below.

Compare disability insurance quotes and save

SLP Insurance will find you the best price on own occupation coverage, even if it's not with us. Fill out the form below for a quote with up to 30% discounts.

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Job – Step 1 of 3

What's your occupation? *– Select –PhysicianDentistDental SpecialistCRNANurseNurse PractitionerNurse-MidwifeOptometristPharmacistPhysical TherapistPhysician AssistantPodiatristPsychologistVeterinarianBusiness / CorporateEngineerLawyerOther medical occupationOther non-medical occupation

What's your specialty? *

Ex: Anesthesia, Surgery, etc.

What's your specialty? *

Orthodontics, Endo, Perio, etc.

Please specify *

Are you a resident or fellow? *

• Yes
• No

What year does your residency or fellowship end?

Ex: 2024

What's the name of your current employer?

We need this to check for potential employer discounts

Next

What is your current income? *

What do you expect your income will be in 5 years? *

State of residence *– Select –ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWYDC

What's your gender? *

• Female
• Male
• Other / Nonbinary

What's your height?– Select –5' or below5'1"5'2"5'3"5'4"5'5"5'6"5'7"5'8"5'9"5'10"5'11"6'0"6'1"6'2"6'3"6'4"6'5"6'6"6'7"6'8"6'9"6'10"6'11"7' or above

What's your weight?

Do you have student loans?

• Yes
• No

What's your plan for your student loans?

• Pay them off
• Get them forgiven

What's your approximate student loan balance?

Some carriers will cover payments if you become disabled

What is your citizenship status?

• US Citizen
• Non-Citizen

What type of visa do you have?

Do you currently have any disability insurance?

• Yes
• No

What type of disability insurance coverage do you have?

• Policy through work
• Policy I bought myself

OPTIONAL: List any major details about your current coverage

Monthly benefit, insurance company you have the policy with, etc.

PreviousNext

Do you smoke?

• Yes
• No

Answer yes if you smoke tobacco, marajuana, or vape, even occasionally

Briefly, explain type of smoking & frequency

Ex: I smoke cigars once every couple months

Do you have any current or prior medical conditions, surgeries, or medications? *

• Yes
• No

We need to know so we can get you the best coverage.

Please list any prior or current medical conditions, surgeries, and medications currently prescribed

Leave blank if N/A. Include date first diagnosed and treatments received such as surgeries, etc.

Do you participate in skydiving, rock climbing, or scuba diving?

• Yes
• No

Please briefly list which activities and how often

Skydiving a couple times a year, scuba diving once or twice a month, etc.

Do you have any foreign travel planned in the next 3 months?

• Yes
• No

Please list the countries you expect to travel to

Do you also want term life quotes?

• Yes
• No
• Maybe

Name *

First

Last

Email *

Date of Birth *

Needed to run quotes

Is it ok to text you about your quote? *

• Yes
• No

Your Cell Number *

Would you like to add any additional details?

• Yes
• No

Please list

Submit

Why do you need disability insurance?

Disability insurance is essential for those in high-risk professions like surgeons and physicians, where any injury could jeopardize their career. It’s also beneficial in several other scenarios:

• Your income relies on your hands, such as for surgeons,
• You have dependents who rely on your income,
• You want protection through an “own occupation” policy that covers your specific profession,
• You’re generally risk-averse and want peace of mind and
• You’re young and healthy, as you’ll secure lower rates by purchasing a policy early in your career.

How much does disability insurance cost?

Disability insurance premiums differ depending on the carrier and policy, but typically, you can expect to spend around 2% to 4% of your income for own-occupation coverage.

The exact cost depends on various primary factors, including your age, gender, occupation, health history, coverage amount, and more.

More resources:

Disability Insurance By Profession – Guides

Disability Insurance – Articles