Disability Insurance Calculator
Estimate monthly benefits, premiums, and coverage gaps for your disability policy.
Income and coverage inputs
Illustrative estimate; actual quotes vary by rider, age, and state.
Results
Calculated in real time as you update inputs.
Monthly Benefit
$12,500
Estimated benefit based on income and coverage percent
Monthly Premium (est.)
$350
Coverage Ratio
156.2%
Benefit vs monthly expenses
Monthly Shortfall
$0
Elimination Period
90 days
Trend / chart
Explanation
Benefit is computed as annual income divided by 12 times coverage percent. Premium is a simple rate-per-100 heuristic; real premiums depend on age, riders, elimination period, occupation class, and underwriting. Coverage ratio compares benefit to your stated monthly expenses.
Chart shows flat monthly benefit over the benefit period against your target expenses. Elimination period indicates how long you self-fund before benefits start.