Disability Insurance Calculator
Monthly benefit and premium estimate from your income and a chosen replacement ratio.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Disability Insurance Calculator
Estimates the monthly disability income benefit you'd need at a chosen income-replacement ratio, and a directional annual/monthly premium estimate, using published industry norms for long-term disability insurance.
- Enter your gross annual income.
- Select an income-replacement ratio (50-70%, with 60% the common default).
- Select a premium-estimate tier reflecting occupation risk.
- Read your estimated monthly benefit, premium, and the income gap not covered.
A $70,000 gross annual income, 60% replacement ratio, mid premium tier (2%): a $3,500/month benefit, an estimated $1,400/year premium.
| Tier | Annual premium (% of income) |
|---|---|
| Lower estimate | ~1% — low-risk occupation |
| Mid estimate | ~2% — typical |
| Higher estimate | ~3% — higher-risk occupation |
This is an illustrative, directional estimate — not a real quote. Insurers deliberately cap LTD benefits below 100% of income (typically 60-70%) so returning to work stays financially preferable to remaining on claim.
- • A disability lasting more than 90 days is more common over a career than many people expect.
- • Check your employer's group LTD coverage first — an individual policy is often meant to supplement, not duplicate, that.
- • The 60-70% replacement range exists deliberately to keep returning to work financially attractive.
- Guardian Life — How Much Disability Insurance Do I Need? — accessed 2026-08-30
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.