Disability Insurance Calculator
Income Replacement Analysis
Disability insurance replaces a portion of your income if you cannot work due to illness or injury. Most financial advisors recommend covering 60-70% of gross income.
Income & Expenses
Annual Gross Income ($)
Monthly Essential Expenses ($)
Spouse/Partner Annual Income ($)
Emergency Fund ($)
Policy Options
Age
Occupation
Office / Professional
Light Physical
Moderate Physical
Heavy Physical / Construction
Medical Professional
Employer Coverage
No employer coverage
Short-term disability only
Long-term disability only
Both STD + LTD
Existing Individual Coverage ($/mo)
Benefit Period
2 Years
5 Years
To Age 65
Waiting Period
30 days
60 days
90 days (most common)
180 days
Calculate Coverage Needs
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