Long Term Disability Rates
Long Term Disability Insurance Quotes
Long term disability insurance quotes will vary based upon your age, state of residence, your occupation, your income, and the terms of your coverage.
Premium costs are driven primarily by your plan design:
Long Term Disability Occupational Classifications
In addition to the policy features listed above, your instant quote will be broken down by occupational classification. Different occupations pose various levels of risk. Some occupations are inherently more likely to result in a long term loss of income, so expect premium costs to reflect this.
Professionals are least likely to be exposed to occupational hazards, and pay the lowest premiums. Office workers such as executives, accountants, consultants, technology workers fall into this category.
Other professionals pay slightly higher rates because certain activities lead to higher level of exposure: speech therapists, sales executives, pastors, etc.
People working in light industry where manual skills are required pay the next higher tier of rates: beauticians, doctors, dentists, electricians, machine operators, nurses, plumbers, etc.
People working with heavy equipment or who need to do heavy lifting pay the highest rates: bus drivers, casino employees, chiropractors, police officers, hotel workers, etc.
Instant long term disability insurance quotes provide you with sample rates and policy configurations.
Complete this simple webform to get a sense for what different long term disability insurance policies may cost. After reviewing the information you may then request a personalized quote.
The information needed to provide a precise quote includes: income, occupation, state of residence, occupation, your age, and the policy features noted above.