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Jena, disabilitiy insurance can be quite expensive especially on farmers. The rates are per $100 of insurance and it is based upon your occupation,age and health. You need to decide the following: how much money(benefit) per month you need, this is usually 60% of youir take home pay. You then decide what is called the elimination period(30,60,90 days) this is the time period you need to be disabled before the benefits kick in, the longer the period the cheaper the rate. You then decide how long do you want the benefit(1, 2, 5 year etc.). I hope this helps. I work for Shelter Insurance. We have agents in IL. that could give you a quote. Slim
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