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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).
Individual Cost. Individuals who purchase a disability income policy can expect to pay about 1 percent to 3 percent of their annual salary. This means that an individual with an annual salary of $50,000 can expect to pay between $500 and $1,500 per year.ave. Disability insurance can be purchased as an individual policy, or provided by an employer as part of a group insurance plan. Costs can vary depending on many factors, including the elimination period, benefit period, the age of an individual, his occupational class and the benefit amount.