Estimate monthly STD, LTD, and SSDI benefit amounts, income replacement rate, and after-tax benefit.
Disability Type
Income & Policy
Tax
⚠️ Educational estimates only. Actual LTD/STD benefits depend on your specific policy. SSDI benefits are determined by the SSA based on your earnings record. Consult a licensed insurance professional or visit ssa.gov for personalized figures.
| Feature | STD | LTD | SSDI |
|---|---|---|---|
| Typical Benefit | 60% salary | 60% salary | ~40% (capped) |
| Waiting Period | 1–14 days | 90–180 days | 5 months (required) |
| Benefit Duration | 3–6 months | 2–5 yrs / to 65 | Until retirement |
| Taxable? | If employer pays | If employer pays | Up to 85% taxable |
| Approval Speed | Days–weeks | Weeks–months | 3–24+ months |
| Portability | Group: tied to employer | Individual: portable | Federal program |
How your net monthly benefit changes at different federal tax brackets (applies when benefit is employer-funded and therefore taxable).
| Tax Rate | After-Tax/Mo | Total After-Tax (To Age 65) |
|---|
Gross and after-tax totals for each benefit period option at your current settings.
| Period | Gross Total | After-Tax Total |
|---|
Input your gross monthly income and select whether you're estimating Short-Term Disability (STD), Long-Term Disability (LTD), or Social Security Disability Insurance (SSDI) benefits.
Enter the percentage of income your policy covers (typically 60%). Set the elimination (waiting) period in months before benefits begin — SSDI has a mandatory 5-month wait.
The calculator shows your estimated monthly benefit, after-tax amount, total benefits over the policy period, and how much of your income the benefit replaces.