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Disability Insurance in the US Procurement Price, Data and Insights
This report is intended to assist buyers of disability insurance, also known as disability income insurance. Disability insurance offers income protection to individuals who become disabled for a time and cannot keep their jobs because they can no longer perform their core functions. This type of insurance is typically offered by large-scale insurance providers that provide a broad scope of insurance plans, but buyers can also purchase disability insurance from small-scale specialized providers.
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What’s included in this market coverage
IBISWorld's research coverage on the Disability Insurance procurement and pricing environment in the United States includes market dynamics, buyer power scores, supply chain vendors with pricing trends and forecasts.
About this Market
What’s this procurement report about?
This procurement coverage of the Disability Insurance market in the United States includes Business Overhead Expense Disability Insurance, Employer-Supplied Disability Insurance, High-Limit Disability Insurance and Individual Disability Insurance. Standard coding in this coverage includes ISIC-6511-Life insurance, NACE-65.11-Life Insurance, NAICS-524113-Direct Life Insurance Carriers and UNSPSC-84131604-Disability insurance.
What common market terminology is included?
Common market terminology included in the Disability Insurance procurement coverage includes Actuary (A person that determines the level of risk through statistical calculations.) and Elimination Period (The waiting period before the employee receives the disability payments.).
What companies are included as top suppliers?
The top companies covered in the Disability Insurance procurement report as suppliers are Aflac Inc., Metlife, Inc., Humana Inc., Cigna Corp and Anthem, Inc..
Opportunity Assessment
What’s included in the Opportunity Assessment chapter?
The Opportunity Assessment chapter provides a comprehensive market analysis of the Disability Insurance market in the United States category, including buyer power scoring, market pricing trends, vendor landscape, cost structure, and strategic negotiation levers.
The market pricing trends include the Market Price (2026) $1,000 of coverage, a five year price forecast and a supply chain risk score. Vendor coverage includes a market share and cost structure breakdown.
Analysis includes a comprehensive SWOT analysis of and recent developments impacting the Disability Insurance market environment.
Buyer Power Score
What’s included in the Buyer Power Score chapter?
The Buyer Power Score chapter assesses key components impacting Disability Insurance procurement including the recent price trend, forecast price trend, availability of substitutes, switching costs, product specialization, average vendor risk, market share concentration, supply chain risk, price driver volatility and recent price volatility.
These components generate a Buyer Power Score that ranges from -5 (strongly favoring sellers) to +5 (strongly favoring buyers) plus a recommended strategy for procurement specialists.
Price Environment
What’s included in the Price Environment chapter?
The Price Environment chapter covers detailed pricing analysis and datasets on Disability Insurance market environment. This includes insights into market pricing Market Price (2026), price forecasts, volatility, specialization, substitutes and switching costs.
Datasets in the Price Environment chapter include vendor cost structure, breakdowns of wage rates by geography and specialty, key external economic and labor drivers impacting the market and market pricing models.
Supply Chain & Vendors
What’s included in the Supply Chain & Vendors chapter?
The Supply Chain & Vendors chapter covers the concentration, risk and diversity of the Disability Insurance market. This includes datasets on the market’s top suppliers, detailed analysis on the key sourcing risks and supply chain dynamics, with environmental, social and governance (ESG) considerations and scores.
Business Requirements
What’s included in the Business Requirements chapter?
The Business Requirements chapter covers vendor relationships, qualifications, service level agreements and key performance indicators. These inputs provide insight into the planning process through the buying lead time, vendor relationship and vendor qualifications. The sourcing process include key RFP elements like an organizational overview, project budget, selection criteria, project schedule, proposal format, inventory control, cost containment, regulation, quality control, distribution and key contract clauses.
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Frequently Asked Questions
What is the current market price for Disability Insurance?
The 2026 benchmark market price for Disability Insurance is per22.65 $1,000 of coverage. Prices have increased at a CAGR of 1.63 from 2023-26.
Who are the top vendors in the Disability Insurance market?
The top vendors in the Disability Insurance market include Aflac Inc., Metlife, Inc., Humana Inc., Cigna Corp and Anthem, Inc..
What industries supply the Disability Insurance market?
The top industries supplying the Disability Insurance market are Copier & Office Equipment Wholesaling in the US, Computer Manufacturing in the US, Custody, Asset & Securities Services in the US, Investment Banking & Securities Intermediation in the US, Portfolio Management & Investment Advice in the US and Custody, Asset & Securities Services in the US.
What is the supply chain risk for Disability Insurance?
Moderate vendor financial risk requires careful prequalification and diversified sourcing strategies. Environmental remediation vendors operate under moderate financial risk because project volumes can fluctuate with regulatory changes and funding cycles. This creates the potential for vendor exits or reduced capacity mid-contract. Buyers should mitigate exposure by prequalifying suppliers' financial health, maintaining a roster of secondary providers, and incorporating performance bonds or phased payments into agreements to protect against service disruption.
What factors affect the price of Disability Insurance?
The size of the benefit payout directly influences the cost of disability insurance, with higher benefit amounts resulting in increased premiums. Insurers price policies based on the financial risk associated with providing larger payouts over extended periods.
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