How Much Does Disability Insurance Cost in Winston-Salem, NC?
Winston-Salem pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Winston-Salem's diversified economy.See our methodology
Disability Insurance Pricing in Winston-Salem, NC
Winston-Salem is one of the more affordable markets for disability insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 245K-population metro area is straightforward.
Local climate plays a direct role in disability insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Winston-Salem: growing market with competitive contractor rates.
Winston-Salem 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.
Winston-Salem vs National Average
What Affects Disability Insurance Cost in Winston-Salem?
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
Winston-Salem Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
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Top-Rated Disability Insurance Pros in Winston-Salem, NC
5 providersElite Plumbing
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2009. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Contractors
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2003. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Disability Insurance in Winston-Salem
- 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 Winston-Salem Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $90 | — |
| 2021 | $94 | +4.4% |
| 2022 | $100 | +6.4% |
| 2023 | $103 | +3.0% |
| 2024 | $106 | +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 Winston-Salem
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 Winston-Salem than other cities?
Winston-Salem'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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