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Disability Income Protection Calculator

Estimate how much income your household would lose if you couldn't work because of an illness or injury, and see your short-term and long-term coverage gaps.

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Before You Begin

  • Results are estimates, for education only. This tool does not predict whether you'll become disabled, doesn't estimate insurance premiums, and doesn't predict insurability.
  • We never recommend a specific carrier or policy. Employer benefits and personally owned coverage are kept clearly separate throughout your results.
  • Disability policy definitions, exclusions, waiting periods, benefit periods, and tax treatment vary widely by employer and carrier — always confirm your actual terms with your benefits summary or policy documents.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.

1Income & Employment

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Employment status

Do you receive variable compensation? (check any that apply)

2Required Monthly Expenses

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3Existing Resources

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4Desired Protection

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Which scenario would you like to see?

A note on guardrails This tool never estimates insurance premiums and never predicts insurability or the likelihood of becoming disabled. It never recommends a specific carrier or policy, and it always keeps employer benefits and personally owned coverage separate. Definitions, exclusions, waiting periods, benefit periods, and tax treatment vary by employer and carrier — confirm your actual terms directly.