What is the least expensive disability insurance? Is it the one with the lowest price? Or maybe is it the one that will pay the most in the most possible situations? If you pay $1000 per year for a plan that may not pay in as many circumstances as one that costs $1500 per year but pays in more situations which is the “least expensive” disability insurance policy. If you’re disabled and are receiving $5000 per month in benefits and would have received nothing from the policy that cost $500 less per month which really was less expensive. This is not an unreal comparison. There are differences in definition and “gray areas” among disability policies. The experts at protectyourincome.com a leading disabilty insurance site can help you sort through the best disability insurance and thus the least expensive.