Disability insurance coverage
You can typically insure 60–70% of gross income. Private policies pay tax-free; employer-paid policies are taxed as income — so you need a higher gross benefit to replace the same take-home.
Income replacement calculator
Find out how much disability or survivor insurance you need to replace lost income.
Results
Monthly benefit needed
$4,687.50
Annual benefit
$56,250.00
% of gross
75%
Frequently asked questions
1.Long-term or short-term?
Both. Short-term (3–6 months) bridges until long-term kicks in; long-term should run to retirement age.
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