How Much Does Disability Insurance Cost in Ann Arbor, MI?
Ann Arbor pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Ann Arbor's diversified economy.See our methodology
Disability Insurance Pricing in Ann Arbor, MI
In Ann Arbor, disability insurance costs are 10% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 120K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in disability insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Ann Arbor: moderate cost of living keeps contractor rates affordable.
Ann Arbor has moderate permitting requirements. Depending on the scope of your disability insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Ann Arbor vs National Average
What Affects Disability Insurance Cost in Ann Arbor?
Term
Short-term (3-6 months): $25-$75/month. Long-term (to age 65): $50-$500/month
Occupation
Office/professional: $50-$150/month. Manual labor: $100-$300/month. High-risk: $200-$500/month
Ann Arbor Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Disability Insurance Pros in Ann Arbor, MI
7 providersHeritage Roofing & Siding
⭐ PREMIUMServing Ann Arbor and surrounding areas since 2006. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Restoration
⭐ PREMIUMServing Ann Arbor and surrounding areas since 1993. Licensed, insured, and committed to quality workmanship at fair prices.
Elite HVAC Solutions
⭐ PREMIUMServing Ann Arbor and surrounding areas since 2014. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Disability Insurance in Ann Arbor
- 1.Employer group plans are significantly cheaper than individual policies
- 2.Longer elimination periods (90 vs 30 days) reduce premiums 20-30%
- 3.Own-occupation policies cost more but provide better protection
- 4.Buy when young and healthy — premiums are based on age at purchase
📈 Disability Insurance in Ann Arbor Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $117 | — |
| 2021 | $122 | +4.3% |
| 2022 | $130 | +6.6% |
| 2023 | $134 | +3.1% |
| 2024 | $138 | +3.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Disability Insurance in Ann Arbor
Recent Reports
Frequently Asked Questions
What's the difference between short-term and long-term disability?
Short-term covers the first 3-6 months after disability. Long-term kicks in after that and can last years or until retirement. Many employers offer short-term; long-term often requires individual purchase.
Why does disability insurance cost different in Ann Arbor than other cities?
Ann Arbor's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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