How Much Does Disability Insurance Cost in Denver, CO?
Denver pricing is 15% above the national average. Updated for 2026.
Based on local labor rates, semi-arid climate conditions, and Denver's tech-energy-aerospace economy.See our methodology
Disability Insurance Pricing in Denver, CO
In Denver, disability insurance costs are 15% above the national average, reflecting the city's tech-energy-aerospace-driven economy. The tight labor market means you have decent options when shopping for quotes. Most residents with a population base of 715K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in disability insurance costs here. Altitude and dry climate affect materials differently; heavy snow loads impact roofing; rapid temperature swings stress HVAC systems.
Market-specific factors matter in Denver: rapid growth has created contractor shortages; altitude requires special considerations for HVAC sizing and combustion equipment.
Denver 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.
Denver vs National Average
What Affects Disability Insurance Cost in Denver?
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
Denver Market Conditions
rapid growth has created contractor shortages; altitude requires special considerations for HVAC sizing and combustion equipment
Local Climate Impact
altitude and dry climate affect materials differently; heavy snow loads impact roofing; rapid temperature swings stress HVAC systems
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Tips to Save on Disability Insurance in Denver
- 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 Denver Cost Trends (2020–2024)
Prices have increased +17.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $123 | — |
| 2021 | $128 | +4.1% |
| 2022 | $136 | +6.3% |
| 2023 | $140 | +2.9% |
| 2024 | $144 | +2.9% |
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 Denver
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 Denver than other cities?
Denver's costs reflect local labor rates driven by the tech-energy-aerospace economy, semi-arid climate conditions that affect materials and scheduling, and moderate permitting requirements. The tight labor market also influences competitive pricing.
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