Disability Insurance Calculator
Your ability to earn is your biggest asset. Estimate how much disability coverage you need to protect your income if you couldn’t work.
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A disabling injury or illness is far more likely than an early death during working years, yet disability coverage is often overlooked. Replacing about 60% of income is the common target — and since benefits from a policy you pay for are tax-free, that roughly matches your take-home pay.
How it’s calculated & sources
Target benefit = monthly income × replacement percentage. Additional coverage needed = target − any existing coverage (such as an employer group policy).
Benchmark: aim to replace ~60% of income; that approximates take-home pay because individually-paid benefits are tax-free (industry guideline).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
On $6,000/month of take-home income with a 60% target ($3,600) and $1,500 of employer coverage, you’d want about $2,100/month of additional private coverage.
Frequently asked questions
Isn’t my employer policy enough?
Often not — group coverage frequently caps at 50–60% of base pay, is taxable if employer-paid, and ends if you leave. A supplemental individual policy fills the gap.
Short-term or long-term?
Long-term coverage protects against the serious risk — an injury or illness lasting months or years. Short-term is a nice-to-have; long-term is the priority.