Free online Disability Insurance Needs Calculator. Estimate coverage based on income, savings, and expenses. 100% client-side β your data never leaves your device.
Zero dependencies Β· Works offlineπ Input Parameters
π About Disability Insurance
Why is disability insurance important?
Between ages 25-65, the probability of disability is ~3.5x higher than death. If illness or injury prevents you from working, income stops but expenses continue. Disability insurance is a critical financial safety net.
How to choose replacement rate?
Typically 60-70%. Consider: after-tax benefit amount (premiums paid with after-tax dollars = tax-free benefits), spouse's income, and mandatory expense ratio.
Premium estimate notes
Estimated at 1-3% of annual income (actual rates vary by age, occupation, health, and elimination period). High-risk occupations may cost more.