Calculate the monthly benefit you need from disability insurance to replace your income if you become unable to work.
Enter Your Details
Most disability policies replace 50 to 70 percent of income.
Leave at 0 if you have no employer disability coverage.
Recommended Coverage
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Annual Benefit Needed—
Gap After Employer Coverage—
Formula
Annual Benefit Needed = Annual Income × Replacement Percentage. Gap = Benefit Needed minus any employer-provided disability coverage.
Example
A $75,000 income at 60% replacement needs a $45,000 annual benefit, or $3,750 per month, minus any coverage your employer already provides.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What is the difference between short-term and long-term disability?
Short-term disability typically covers a few months of income after an injury or illness, while long-term disability can cover years or until retirement age.
Does Social Security Disability Insurance replace the need for this?
Social Security Disability has strict eligibility requirements and often replaces only a modest portion of income, so many people still carry private disability coverage.