Disability insurance premiums typically range from 1–4% of your annual income, depending on age, health, occupation risk class, benefit amount, elimination period, benefit duration, and policy features such as own-occupation definitions and COLA riders. A 35-year-old healthy professional earning $150,000 might pay $2,000–$4,000 per year for a strong individual policy with own-occupation coverage and a 90-day elimination period to age 65. Premiums for higher-risk occupations or older applicants can be significantly higher.