Calculate Your Disability Insurance Coverage Needs

One in four workers will experience a disability before retirement, yet most people have no income protection plan beyond employer-provided coverage that typically replaces only 60 percent of base salary. Our disability benefits calculator helps you determine the gap between your current coverage and your actual monthly expenses.

Long-term disability insurance costs between 1 and 3 percent of your annual salary, making it one of the most affordable ways to protect your earning power. The calculator shows you how much monthly benefit you need based on your essential expenses, existing coverage, emergency savings, and any Social Security disability benefits you might qualify for.

Building a comprehensive income protection plan requires understanding the elimination period, benefit period, and definition of disability in your policy. Pair this tool with our Social Security calculator to estimate SSDI benefits and our savings goal calculator to build an emergency fund that covers the elimination period.