Private disability insurance costs can vary widely depending on several factors, including the individual's age, occupation, health history, and the specific coverage options chosen. According to the Council for Disability Awareness, the average long-term disability insurance policy can cost between 1% and 3% of your annual salary. For example, if you earn $50,000 per year, you might expect to pay between $500 and $1,500 annually for long-term disability insurance. Short-term disability insurance, which typically provides coverage for a shorter duration, may have different cost structures. Factors such as the waiting period before benefits kick in, the length of coverage, and the percentage of income replaced can also impact the cost. It's important to obtain personalized quotes from insurance providers to get an accurate understanding of the cost based on your specific circumstances. Additionally, some employers offer group disability insurance, which can be more cost-effective than purchasing an individual policy. Consulting with an insurance agent or broker can help you navigate the options and find the most suitable coverage at a competitive price.