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.

Enter your numbers

Your situation

All estimates. Nothing is sent anywhere — this runs entirely in your browser.

Monthly take-home income Your typical monthly income after tax

Essential monthly expenses Housing, food, utilities, insurance, minimum debt payments

Employer disability benefit (monthly) What your group LTD would pay per month, if any

Other monthly income during disability Spouse's income contribution, other benefits, etc.

Estimated monthly income gap

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

This is an educational estimate, not a quote, recommendation, or financial advice. Actual disability benefits depend on policy definitions (own-occupation vs. any-occupation), elimination and benefit periods, taxability of employer-paid benefits, and individual underwriting. Group coverage often replaces only base salary and may be taxable. Your real gap and the right policy structure should be reviewed with a licensed agent. No information entered here is collected or transmitted.

Review my real gap with an agent

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. 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.

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