Long-Term Disability Calculator
Long-term disability need with a longer waiting period and benefits to age 65.
Your income and benefit numbers stay on this page — never sharedTry: Gross monthly income=5000, Replacement ratio=65, Existing benefits/mo=0, Passive income/mo=0, Waiting period (days)=90, Monthly expenses=3500 → $3,250, $0, $0, $3,250, $315,000
How to use
Long-term policies usually have a 90-day wait and pay until 65. Enter your numbers to see the monthly gap and the emergency fund sized for that longer wait.
FAQ
How long should benefits last?
Many long-term policies pay to age 65 or for life; the longer the payout, the higher the premium.
What if I have group coverage?
Enter that as existing benefits so you do not double-count it.