UPDATED: Feb 17, 2021

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Written By: Chris HuntleyReviewed By: Rachael BrennanUPDATED: Feb 17, 2021Fact Checked

Man in his 40's with a neck brace on meeting with a woman with a laptop. Text says "Disability Insurance for 40-49 year-olds

If you’re a 40-49 year old you likely already are a homeowner, have a family, be climbing the corporate ladder or maybe even running your own business. By now you’ve hopefully paid off any student loans you once had and are diligently saving for retirement. 

If you’re 47, 48, or 49 you probably earn more now than ever and are more financially secure than you were in your 20s and 30s. That being said, along with having more income you also have more to protect. This is why disability insurance is even more important in your 40s. 



Although you may not be as young and healthy as you once were, experiencing an unexpected illness or injury that leaves you out of work is probably not top of mind. Regardless, there’s still ample reason for 41, 42 or 43 year olds to purchase disability insurance. 

While purchasing disability insurance policy in your 20s and 30s would have been less expensive, buying a policy in your 40s is still cheaper than if you wait even longer. Even if you aren’t sure about your need for disability insurance currently, it’s important to note that the longer you wait the more expensive the same amount of coverage will be. Just like retirement, every year counts when it comes to helping protect your financial future. 

Being you’re now in your 40s, you might know family or friends who have been impacted by cancer, autoimmune disorders or other illnesses, or that have been in car, biking or other accidents. It’s important to purchase disability insurance while you’re still healthy, and before you develop an illness that classifies as a preexisting condition. If you do develop something that is deemed a preexisting condition it will either make you ineligible for disability insurance or cost you more. 

For example, disability insurance for a healthy 40-year old tech consultant making $130,000 in Michigan could cost around $230/month for $2,400/month of coverage, whereas disability insurance for the same 40-year old who had prostate cancer could cost closer to $270/month. 


Besides the fact that you can purchase disability insurance for 44, 45, or 46 year olds for a lower rate than if you continue to wait, there are many other reasons why you would want to protect yourself with this type of policy. 

If you’re out of income for longer than you have savings to live off of you won’t be able to pay your bills on time, resulting in having to rack up credit card debt to make ends meet. Missing bill payments could result in ruining your credit, which can take years to build back up. 

If you know eventually you’ll want a family, or if you’re already married or have children, then you must factor that into your decision as well. No income means being unable to provide for your family and children (or future children!) If you know your family couldn’t live without your income then it’s important to plan ahead.  

And what about investments? A few years without income means missing out on the ability to invest and take advantage of compound interest. If you’re hoping to retire as planned then missing out on a few years of investing can really derail your progress. 

If you have no income and are thus unable to keep up with your rent or mortgage payments, you run the risk of becoming evicted or defaulting on your mortgage. 

Or if you don’t own a home but plan to in the future, you’ll no longer be able to start or continue saving for that home you were hoping to purchase within the next few years. 

And then there’s the medical bills. If you become sick or injured and can’t work, how will you pay for medical expenses? Medical bills and loss of income are among the top reasons why individuals file for bankruptcy. 



Let’s say you’re a 40-year old female from Texas that is working as a veterinarian. You’re making $120,000 per year but you’ve been in a bad car accident that leaves you unable to work while you’re in treatment. If you were to have purchased your own disability policy for $130/month you could receive around $2,400 per month.  

Get quotes for disability insurance for a 40-year old HERE or HERE.  

Or let’s say you’re a 45-year old who just celebrated your birthday on a trip to Costa Rica. While there you were severely injured in a zip lining accident. Although it’s hopeful you’ll recover fully it could take a year or longer. Luckily as a dental hygienist you purchased disability insurance for $251/month and will now receive $2,400 each month. 

Get quotes for disability insurance for a 45-year old HERE or HERE.  

Let’s consider another example. Let’s say you’re a 49-year old male working as a mechanical engineer in New York. You’ve been struggling with severe carpal tunnel rendering you unable to perform your job duties for the time being. Being you had disability insurance you could receive $2,400 a month for what would have cost you around $260/month. 

Get quotes for disability insurance for a 49-year old HERE or HERE.    

The cost of disability insurance can vary greatly, but it’s based on how risky your job is classified as, as well as your own health (including whether you consume nicotine!) and a few other factors. Disability insurance is also typically cheaper for males than females. Like term life insurance, the earlier you purchase disability insurance the cheaper it will be.



  • Figure out if you already have coverage through your employer and if so, what timeframe it covers and how much the benefit is
  • Compare rates online through Breeze or PolicyGenius
  • Select a coverage amount that would allow you to keep up with bills and continue working towards your financial goals
  • Choose a policy that fits into your budget 

And finally – relax knowing if something were to happen that impacted your ability to work you’d be covered!



If reading this has convinced you to take a look at disability insurance, check out Breeze and PolicyGenius. Both can give disability insurance quotes for 40-49 year olds after entering in a few details. Although an unexpected injury or illness may only prevent you from working for a few years, a few years without income can really halt progress towards your financial goals. 

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I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan