Result
Additional coverage needed: $0 — but consider a supplemental 2-year bridge policy
📄
Deep Dive
Disability Insurance Needs Calculator
Find out how much disability insurance you need to cover your income gap — and what it'll cost.
Presets:
Your Profile
Income & Expenses
$
$
Housing, food, utilities, insurance, debt payments Employer Coverage
Short-term disability — typically 60% of salary
Long-term disability — enter 0 if none
Days before LTD benefits begin — typically 90
Other Income Sources
$
Check ssa.gov for your personal estimate. Enter 0 if not eligible. Used to assess whether you can cover the elimination period
$
Coverage Analysis
Additional Coverage Needed $0
Disabled Income $5,100/mo LTD + SSDI + partner
Monthly Gap No gap Expenses − disabled income
Coverage Target (65%) $3,900/mo 60–70% income benchmark
Replacement Rate 85.0% % of income replaced
Elim. Period Funds Adequate Emergency fund vs. elim. period cost
Disabled Income = LTD + SSDI + Partner
Target = Income × 65%
Income Sources While Disabled
⚠️ Educational estimates only. Actual disability benefits depend on your specific policy, age, health, and earnings record. SSDI benefits are determined by the SSA. Consult a licensed insurance professional before purchasing coverage.
Income Breakdown While Disabled
Employer LTD Benefit $3,600/mo
SSDI Estimate $1,500/mo
Partner Income $0/mo
Total Disabled Income $5,100/mo
Expense Gap No gap
65% Coverage Target $3,900/mo
1 in 4 workers will experience a disability lasting 90+ days before retirement age
31 months average duration of a long-term disability claim — longer than most expect
Coverage Gap by Target %
How Much Would You Need at Each Replacement Rate?
The highlighted row (65%) is the industry-standard recommendation. Rows below show how your gap changes across other common targets.
| Target Rate | Monthly Target | Disabled Income | Gap / Surplus |
|---|