Disability Insurance Gap Calculator
Find gaps in your income protection
Did you know?
1 in 4 workers will experience a disability before retirement. Most employer policies only cover 60% of income and may have caps that leave higher earners underinsured.
Short-Term Disability
Long-Term Disability
Income Gap Detected
If disabled long-term, you'd be short $750/month
Your emergency fund would cover this gap for 20.0 months
STD Monthly Benefit
$4,250
Covers 85% of expenses
LTD Monthly Benefit
$4,250
Covers 85% of expenses
Coverage vs. Expenses
What You Should Know
Consider Supplemental Coverage
Individual disability policies can fill the gap. Look for "own occupation" coverage and non-cancelable policies.
Tax Implications
If employer pays premiums, benefits are taxable. If you pay, benefits are tax-free. This affects your actual take-home amount.
Waiting Periods Matter
Most LTD has a 90-180 day waiting period. Make sure you have STD coverage or emergency savings to bridge the gap.