The monthly income gap if you couldn't work.
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.
Computed entirely on your device for U.S. taxes and benefits. Nothing is ever sent anywhere, and it is free forever. Educational information, not financial, tax, investment, or legal advice.