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The amount of basic benefit paid ranges from $133 to over $3,300 per month, depending on your level of disability and number of dependents. Note: You may be paid additional amounts if: 1  you have very severe disabilities or loss of limb(s). 2  you have a spouse, child(ren), or dependent parent(s).
Coverage is typically issued supplemental to standard coverage. With high-limit disability insurance, benefits can be anywhere from an additional $2,000 to $100,000 per month. Single policy issue and participation (individual or group long-term disability) coverage has gone up to $30,000 with some hospitals.isability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.