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Get a quote for long term disability income insurance

Make sure your income is protected if you're too sick or injured to earn a paycheck. Start by answering a few basic questions and we'll provide you with an instant estimated monthly cost for long term disability income insurance.

All fields are required unless marked optional.

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FAQ

FOR VIRGINIA RESIDENTS: THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

1 The estimated monthly cost reflects the monthly benefit amount shown and policy features you chose. Premium is based on a level premium structure (fixed premium that never increases) with a true own-occupation definition of total disability.

Individual disability insurance policy Forms 18ID and 18UD underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.

Policies issued to anesthesiologists/anesthetists, emergency room physicians, dentists (general) and pain management physicians, as well as all policies issued in California, will have a mandatory Mental and/or Substance- Related Disorder (MSRD) limitation. For increase options exercised from such policies, the MSRD limitation will also be included. However, a policy may have been issued without the MSRD limitation; in that event, a new policy issued as a result of an increase option exercise is not required to have the MSRD limitation. Discounts are applied when there is an MSRD limitation.

While the information provided here may help inform your decision, we strongly encourage you to discuss your particular insurance needs with your broker or agent to ensure that you consider the optimal coverage for your circumstances. This is not a contract or an offer of coverage. This is a quote based on personal information that you’ve provided and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and pricing may differ from this proposal.

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Copyright© 2025 The Guardian Life Insurance Company of America. All rights reserved.

Your ability to work and earn income is likely your most valuable asset. When serious injury or illness keeps you from working, your income and lifestyle are at risk – and that risk is more substantial than most people think: 1 in 4 workers will become disabled during their working years.* Disability income insurance provides partial income so you can pay your bills if you get too sick or injured to work. Whether you have short term, long term, or individual disability insurance, all plans help protect your finances at a time when you may be in financial risk.

*Social Security Administration, June 2022.

Short term disability insurance is often provided by an employer, either as a mandatory or voluntary benefit. Short term coverage is for temporary disabilities, typically replacing a percentage of your income for 3-6 months (and almost never more than a year) or until you can get back to work. Long term disability insurance is in many ways similar, but it is for longer term and even permanent disabilities. Sometimes coverage is offered as a workplace benefit, but it is frequently purchased as an individual policy. Long term disability plans are designed to provide a lasting source of income – through retirement if needed.

Income is a critical component of your standard of living. Disability income insurance can offer protection for lost wages if you get too sick or injured to work. Most disability income insurance won’t cover all lost income, but it can provide enough to cover a large portion of your expenses. In general, individual disability income insurance costs between two and three percent of your salary. For example, if you earn $100,000, you’ll spend around $2,000 to $3,000 a year for coverage.

Several factors will impact how much you pay, such as your age, health history, and features of the policy such as the benefit amount, benefit period, and elimination period.

Become familiar early on with the details of your existing insurance coverage, start with those offered through your job and evaluate if it’s enough. Disability income insurance has to be obtained prior to the accident or illness, so it’s important to be aware of what protection you currently have and to understand the terms. Keep in mind, disability coverage through your employer may not be enough to help cover monthly expenses. Individual disability insurance can help fill the gap.

Once you know how much coverage (if any) is available through work, it’s time to get an online quote and then speak with a financial professional to get the comprehensive disability policy you need.