Final answer:
Disability insurance costs depend on the risk associated with the occupation. Occupations with higher risk, like construction workers, are more likely to have higher disability insurance costs compared to occupations with lower risk, like CPAs or office workers.
Step-by-step explanation:
Disability insurance is a type of insurance that provides income replacement if you can't work due to a disability. The cost of disability insurance depends on the risk associated with the occupation. Occupations that are more physically demanding or have higher risk of injury, like construction workers, are more likely to have higher disability insurance costs compared to occupations that are less physically demanding or have lower risk, like certified public accountants (CPAs) or office workers.