Please fill out the enclosed information to get a disability insurance quote. We will send out a quote based on the information you have provided. Disability insurance many variables that impact how it is paid out. That is why there is not an automatic online calculator for disability. We have specialized in disability insurance for over 40 years combined and will work to get you coverage that suits your budget and needs. Disability Insurance may seem expensive compared to other types of insurance. That is because disabilities are quite common, so there are more payouts, and because a long term disability may end up paying a client millions of dollars of tax-free income.