The monthly income gap if you couldn't work.
Covers: disability, insurance, income protection, long-term disability, ltd, protection.
Open the Disability Insurance Needs tool →A disability is more likely than an early death during your working years, and it threatens the same thing: your income. This sizes the gap: pick the share of pay you'd want to replace (group long-term disability commonly covers around 60%, and benefits you pay for yourself are usually tax-free), then subtract any coverage you already have and other income that would continue. What's left is the monthly benefit worth shopping for.
It's a starting estimate, not advice. Check your employer's plan first, then compare an individual policy for the gap. Definitions like 'own-occupation' coverage matter a lot; confirm specifics with a licensed agent.
Free forever, with no account and no ads. Computed entirely on your device for U.S. taxes and benefits — nothing is ever sent anywhere. Educational information, not financial, tax, investment, or legal advice.