How Much Does Disability Insurance Cost in Raleigh, NC?
Raleigh pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Raleigh's tech-pharma-education economy.See our methodology
Disability Insurance Pricing in Raleigh, NC
Raleigh offers near-average pricing for disability insurance, making it a reasonable market for this service. The local tech-pharma-education economy supports a growing labor pool, and the city's 475K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in disability insurance costs here. Hot humid summers drive HVAC and pest control demand; occasional ice storms can damage trees and roofs.
Market-specific factors matter in Raleigh: Research Triangle tech boom has increased demand and costs; well-educated workforce supports quality contractors; rapid growth strains capacity.
Raleigh 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.
Raleigh vs National Average
What Affects Disability Insurance Cost in Raleigh?
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
Raleigh Market Conditions
Research Triangle tech boom has increased demand and costs; well-educated workforce supports quality contractors; rapid growth strains capacity
Local Climate Impact
hot humid summers drive HVAC and pest control demand; occasional ice storms can damage trees and roofs
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Top-Rated Disability Insurance Pros in Raleigh, NC
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Tips to Save on Disability Insurance in Raleigh
- 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 Raleigh Cost Trends (2020–2024)
Prices have increased +17.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $105 | — |
| 2021 | $109 | +3.8% |
| 2022 | $116 | +6.4% |
| 2023 | $119 | +2.6% |
| 2024 | $123 | +3.4% |
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 Raleigh
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 Raleigh than other cities?
Raleigh's costs reflect local labor rates driven by the tech-pharma-education economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The growing labor market also influences competitive pricing.
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