What would a disability cost you?
Find the gap between what your employer covers and what you'd actually need, plus an illustrative cost to close it.
Monthly premium: $62
65% of income
0% covered by employer
Monthly benefit you'd need to buy
Illustrative estimate only — not a quote or professional recommendation. Read the full disclaimer.
Trust & methodology
Last reviewed: July 23, 2026
This tool provides an illustrative income-replacement gap and cost estimate for long-term disability insurance — not a quote from any insurer.
How to use this calculator
Enter your income
Monthly income and the percentage you'd want replaced if you couldn't work.
Add employer coverage
The percentage of income your employer's group LTD plan already covers, if any.
Pick your occupation risk
Office, field, or manual work — this is the biggest driver of the premium estimate.
Read the gap and cost
See the monthly benefit gap and an illustrative annual/monthly premium to close it.
Inputs used
- Age
- Monthly income
- Target income-replacement percentage
- Employer-provided LTD coverage percentage
- Occupation risk class
Formula basis
- Coverage gap = (income × target replacement %) − (income × employer coverage %)
- Estimated annual premium = annual coverage gap × 2% base rate × age multiplier × occupation multiplier
Assumptions and limits
- 2% of the covered annual benefit is used as an illustrative base rate for individual LTD riders — real quotes commonly range 1–3%
- Does not model elimination periods, benefit periods, or own-occupation vs. any-occupation policy definitions, which materially affect real pricing
- Occupation risk is simplified to three broad classes; real underwriting uses detailed job-class tables
Frequently asked questions
Employer-provided long-term disability (LTD) often replaces only 50–60% of income and may be capped at a low dollar amount. Many people supplement it with an individual policy to close the gap, which is what the coverage-gap figure above estimates.
Insurers price disability coverage heavily on injury/illness risk tied to your job. Physically demanding occupations carry meaningfully higher premiums than desk jobs for the same benefit amount.
No — this estimates long-term disability (LTD) coverage, which kicks in after a waiting period and can last years. Short-term disability is a separate, usually employer-provided benefit for shorter absences.