Disability Insurance Calculator
Estimate the monthly benefit you may need to protect your income. Compare policy options and understand your coverage gap.
Step 1: Income & Needs
Understanding Disability Coverage
Most experts recommend replacing 60-70% of your pre-tax income. Your occupation class affects premium rates but here we focus on benefit estimation.
Step 2: Existing Coverage & Policy
About Existing Coverage
Include any group disability insurance or individual policies you already have. The calculator will estimate the coverage gap.
Disability Benefit Estimate
Summary
Policy Comparison
Coverage Breakdown
Estimated Monthly Benefit Needed
$3,000.00
Coverage Gap: $3,000.00
Coverage Gap
$3,000.00
Benefit per Day
$100.00/day
Annual Benefit
$36,000.00
Coverage Rating
Excellent
Disability Policy Comparison
| Policy Type | Coverage % | Monthly Benefit | Annual Benefit | Benefit Period |
|---|
Coverage Gap Analysis
How Disability Benefit Is Estimated
Recommended Benefit = (Monthly Income × Coverage %) – Existing Coverage
We use your income, desired coverage percentage, and any existing insurance to estimate the monthly benefit you may need. Occupation class and benefit period adjust the comparison table.
Speak with an Insurance Specialist
Get personalized advice on disability coverage, policy riders, and income protection strategies tailored to your occupation.
Consult an Expert