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Long-term disability (LTD) insurance offers financial protection in the event of a serious illness or injury. These policies pay a portion of your income for an extended period of time, giving you financial flexibility and peace of mind when you’re unable to work. Aflac does not offer long-term disability insurance, but we do have short-term disability insurance to provide financial protection for a period of time. Here, we explore how much long-term disability insurance policies cost on average.
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LTD insurance works like other insurance policies. As long as you pay your monthly premiums, you will have access to the policy features. Generally, after sustaining a qualifying injury or illness that will keep you from work, you can file a claim with your insurance company. If successful, your insurer will typically pay you between 40-80% of your salary for the duration of your recovery or until your benefits period expires, depending on your policy’s terms and conditions.2
The average LTD insurance policy costs $2,200 per year, but the cost is largely dependent on your income, but other factors including your age and health can also impact the cost of coverage. According to Policygenius, here are some examples of LTD insurance costs based on your annual salary:1
| Annual salary | Cost of LTD insurance |
|---|---|
| $75,000 | $63 to $188 per month |
| $100,000 | $83 to $250 per month |
| $125,000 | $104 to $313 per month |
| $150,000 | $125 to $375 per month |
| $175,000 | $146 to $438 per month |
| $200,000 | $167 to $500 per month |
| $225,000 | $188 to $563 per month |
| $250,000 | $208 to $625 per month |
| $275,000 | $229 to $688 per month |
| $300,000 | $250 to $750 per month |
Note that these are examples of costs only, and actual costs will vary depending on the insurer and policy.
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Get StartedWhile your income is the most significant determining factor in the cost of LTD insurance, there are several other factors that may impact costs as well, these include:
Age could impact the cost of LTD insurance, with policyholders who are older often considered more at-risk. If you’re already in poor health or high-risk, you may not be able to get LTD insurance.
Income is a major factor, but so is your occupation. You may have higher insurance rates if you have an occupation that’s considered high-risk, such as one that requires physical labor or involves hazardous conditions.
The more coverage you have and the longer your benefit period, the more you will typically pay in premiums.
Most policies have an elimination period, which is the time between when you’re first injured or get sick and when you start receiving benefits. Shorter elimination periods typically mean higher premiums.
Many employers offer group LTD insurance policies for employees, which tend to be more affordable since employers contribute to the policy cost. Individual policies are typically more expensive.
Every policy is different, but usually, long-term disability insurance covers injuries and illnesses that would keep you from working for a long time, including:1
Disability insurance usually doesn’t cover pre-existing conditions, self-inflicted injuries, or injuries sustained while involved in illegal activity. Always review your policy closely for any exclusions or limitations.
Aflac offers both long-term disability insurance and short-term disability insurance; however these plans have to be purchased through your employer. These policies differ, but short-term disability insurance typically covers medical conditions that keep you from work, including pregnancy-related leave in some cases, broken bones, and mental health issues. Short-term disability coverage replaces your income for a period of time, usually between three and 12 months.2
Although you can’t purchase our long-term disability or short-term disability products directly through Aflac, our Accident and Indemnity products help give added peace of mind when recovering from an injury or illness. Contact an Aflac agent today to discuss your coverage options and get a quote.
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Wondering what qualifies as a short-term disability? Learn what short-term disability insurance is and some illnesses that qualify for short-term disability benefits.
Wondering if short-term disability insurance is taxable? Learn how short-term disability works, what it covers, and when it's taxable.
Wondering what qualifies as a short-term disability? Learn what short-term disability insurance is and some illnesses that qualify for short-term disability benefits.
Wondering if short-term disability insurance is taxable? Learn how short-term disability works, what it covers, and when it's taxable.
1 Policygenius – How much does long-term disability insurance cost? Updated July 22, 2024. Accessed June 24, 2025. https://www.policygenius.com/disability-insurance/how-much-does-long-term-disability-insurance-cost/.
2 Paychex – Short-Term Disability Insurance vs. Long-Term Disability Insurance. Updated February 27, 2024. Accessed June 24, 2025. https://www.paychex.com/articles/employee-benefits/short-vs-long-term-disability-insurance.
This is a brief product overview only. The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans. Coverage may not be available in all states including but not limited to PR & RI
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK & A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PA & A57600LBPA. In Texas, Policies A57600TX & A57600LBTX. In Virginia, Policies A57600VA & A57600LBVA.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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