Disability Insurance Calculator
Sizing the disability coverage you need to replace lost income.
Inputs
How it works
Recommended monthly benefit = essential monthly expenses − existing coverage. Elimination period is the wait before benefits start; longer waits lower the premium.
Frequently asked questions
Is this a quote?
No — these are educational ballpark estimates. For an actual quote, talk to a licensed agent or run a comparison platform.
Term or whole life?
Term is usually best for most families — cheap, simple, and right-sized to the working years. Whole life is far pricier and suits niche estate planning.
How much coverage do I need?
A common rule is 10–12× annual income, but DIME (Debts, Income, Mortgage, Education) gives a sharper number.
What's an HSA?
A Health Savings Account paired with a high-deductible plan — triple tax-advantaged for qualified medical expenses.
What's the elimination period on disability?
The waiting time before benefits start. Longer waits lower premiums.