Most group disability plans replace 60% of base pay, taxable if the employer paid the premium. Household bills do not fall by 40% to match. This shows the monthly shortfall, which is the number that decides whether supplemental cover is worth buying.
This tool applies officially published figures to the numbers you enter. It is not an insurance quote, it is not an eligibility determination, and it does not predict what a carrier will charge you. Only HealthCare.gov, Medicare.gov, Social Security or the carrier can determine your eligibility and your actual price.
Disability Income Protection: how it works
Taxable or not changes the answer
If your employer pays the disability premium, the benefit is taxable income. If you pay it with after-tax money, the benefit is tax-free. The same 60% plan can therefore replace very different amounts of real spending power.
Short-term and long-term are different products
Short-term disability typically covers a few weeks to six months. Long-term picks up after an elimination period of 90 or 180 days. The gap between them is a common reason people draw down savings, and it is worth checking which you actually have.
Common questionsCommon questions
Does Social Security disability fill the gap?
Rarely on its own, and not quickly — the definition is strict and approval commonly takes many months. If you expect to claim it, enter a conservative estimate in the other-benefits field rather than assuming it arrives in full.
Is this a quote?
No. It sizes the gap. What cover to buy and what it costs depends on your occupation, income and health, and we will quote that properly rather than estimating it here.