Disability Insurance Gap Calculator

Most people are significantly underinsured for disability. Employer plans typically replace only 60% of income, SSDI takes years to approve, and there's often a 3–6 month waiting period before benefits start. Calculate your actual coverage gap and the personal insurance you need.

Income & Expenses

Monthly Take-Home Pay ($)

Monthly Essential Expenses ($)

Your Disability Coverage

Short-Term Disability (first 90 days) $/mo

Long-Term Employer Disability $/mo

Estimated SSDI (if approved) $/mo

Emergency Fund (months)

Personal Disability Insurance $/mo

Other Income if Disabled $/mo

Coverage Rate

MONTHLY INCOME GAP

Disability insurance premiums for an individual policy typically cost 1–3% of annual income. An "own-occupation" policy pays if you can't perform your specific job — broader protection than "any occupation." Buy as much as insurers allow (usually 60–70% of pre-disability income). Association and professional group plans can be significantly cheaper than individual policies.