Free Educational Tool
What's your disability income gap?
If illness or injury stopped your paycheck, employer coverage rarely replaces all of it. This estimates the monthly shortfall an individual policy might fill. Educational only — not a quote.
What's the gap between your income and what disability insurance would actually replace?
Most working professionals dramatically overestimate how much of their income would be replaced if illness or injury stopped their paycheck.
Why the replacement gap is bigger than most expect
Group long-term disability policies advertise "60% income replacement," but the actual replacement rate after taxes, benefit caps, and disability definitions is often 35-45% — and that's before accounting for bonus, commission, or equity compensation that may not be covered at all.
This calculator estimates the monthly income shortfall an individual disability insurance policy could potentially fill. The math is straightforward; the implications are not. A physician earning $400K with a "60% group LTD" policy capped at $10,000/month is actually covered for 30% of their income. A technology professional whose compensation is half RSUs is typically covered only on base salary.
The audiences where this gap is most material are physicians, executives, and other high-income professionals whose group coverage caps bind and whose income exceeds what employer policies will replace. For these audiences, properly-specified individual disability insurance addresses a real protection gap.
Enter your numbers
Your situation
All estimates. Nothing is sent anywhere — this runs entirely in your browser.
Estimated monthly income gap
$0
Enter your numbers above to see an estimate.
| Essential monthly expenses | $0 |
| Employer disability benefit | –$0 |
| Other income during disability | –$0 |
| Estimated monthly gap | $0 |
Why This Matters
The gap most people don't see
Group long-term disability through an employer typically replaces around 60% of base salary — not bonus or commission — and benefits are often taxable if the employer paid the premiums.
How group, individual, and taxable benefits stack up
It also usually disappears if you change jobs.
That leaves a gap between what group coverage pays and what your household actually needs each month to keep functioning. An individual disability policy is designed to fill that gap with portable, often tax-free benefits. This tool gives you a rough sense of the size of that gap — the precise number depends on policy details a conversation can pin down.
See what closing that gap would take
We'll review any coverage you already have and what an individual policy would add. Free, no obligation, tailored to your occupation.
Schedule a consultationSee how a disability gap fits into a complete analysis: read the worked example.