Disability Insurance Calculator — Protect Your Income
Calculate how much disability insurance you need to protect your income.
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Your Results
Monthly Coverage Gap
$550
Target Benefit (65%)
$4,550/mo
Current Coverage
$4,000/mo
If Disabled (total)
$33,000
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How This Calculator Works
Target coverage = Gross monthly income × 60-70%. Coverage gap = Target - existing employer/group benefit - SSDI estimate. Long-term disability insurance should cover the gap.
Frequently Asked Questions
Target 60-70% of pre-disability income. Group employer coverage often covers 60%. If not enough, buy individual supplemental policy.
Short-term: covers 3-6 months, replaces 60-70% income. Long-term: kicks in after short-term ends, can cover until age 65. Both are important.
1-3% of annual income per year for individual long-term disability. A $100K earner pays $1,000-$3,000/year. Worth every penny.
"Own occupation" definition: you can't do your specific job. "Any occupation" (cheaper): you can't do any job at all. Always buy own-occupation coverage if you can.
Employer coverage is usually 60% of salary, taxable. Individual coverage is tax-free. Often supplemental coverage makes sense to fill the gap.
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Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.