IncomeGuard
Disability insurance calculators that show the coverage you actually need, 100% in your browser.
Your income and benefit numbers stay on this page — never sharedNeed
Disability Insurance Needs Calculator
Estimate the monthly disability benefit you should carry after other income and benefits.
Disability Calculator by Income
Quickly see the monthly disability benefit suggested for your income.
Cost
Disability Insurance Cost Calculator
Estimate your disability insurance premium from age, sex, benefit, waiting period, and term.
Long-term
Long-Term Disability Calculator
Long-term disability need with a longer waiting period and benefits to age 65.
Short-term
Short-Term Disability Calculator
Short-term disability need with a short wait and a one-year benefit cap.
Benefit
Disability Monthly Benefit Calculator
Convert your income and replacement ratio into a monthly benefit amount.
Compare
Own vs Any Occupation Disability
Compare own-occupation and any-occupation cover on benefit and estimated premium.