How Much Does Disability Insurance Cost in Boulder, CO?
Boulder pricing is 25% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Boulder's diversified economy.See our methodology
Disability Insurance Pricing in Boulder, CO
Boulder is a high-cost market where disability insurance runs about 25% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 105K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in disability insurance costs here. High altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces.
Market-specific factors matter in Boulder: rapid population growth in many mountain cities has tightened contractor availability.
Boulder 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.
Boulder vs National Average
What Affects Disability Insurance Cost in Boulder?
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
Boulder Market Conditions
rapid population growth in many mountain cities has tightened contractor availability
Local Climate Impact
high altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces
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Top-Rated Disability Insurance Pros in Boulder, CO
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Tips to Save on Disability Insurance in Boulder
- 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 Boulder Cost Trends (2020–2024)
Prices have increased +18.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $132 | — |
| 2021 | $138 | +4.5% |
| 2022 | $147 | +6.5% |
| 2023 | $151 | +2.7% |
| 2024 | $156 | +3.3% |
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 Boulder
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 Boulder than other cities?
Boulder'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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