Long term disability insurance costs can vary depending on several factors. These factors include the individual's age, occupation, health condition, and the amount of coverage desired. Generally, the younger and healthier the individual, the lower the premium will be. Additionally, occupations that are considered higher risk may have higher premiums. The cost of long term disability insurance is typically calculated as a percentage of the individual's income, usually ranging from 1% to 3% of their annual income. It's important to note that these are general guidelines and actual costs may vary. To get an accurate quote for long term disability insurance, it is recommended to contact insurance providers directly and provide them with the necessary information for a personalized quote.