What is the name of your state?I am self-employed and considering a non-cancelable (to age 65) long term disability policy. My income has averaged between $75-85,000 the last 5 years. I would like to be able to replace about 60% of it. I am 46 years old and in good health....no pre-existing conditions. Does anyone here have a rough estimate or range of what the premiums would be?