Individual Cost. Individuals who purchase a disability income policy can expect to pay about 1 percent to 3 percent of their annual salary. This means that an individual with an annual salary of $50,000 can expect to pay between $500 and $1,500 per year.ave. Disability insurance can be purchased as an individual policy, or provided by an employer as part of a group insurance plan. Costs can vary depending on many factors, including the elimination period, benefit period, the age of an individual, his occupational class and the benefit amount.