Short-Term Disability Calculator
Short-term disability need with a short wait and a one-year benefit cap.
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)=14, Monthly expenses=3500 → $3,250, $0, $0, $3,250, $49,000
How to use
Short-term policies often pay after about two weeks and cap at 12 months. The calculator sizes the gap and a smaller emergency fund for the short wait.
FAQ
Is short-term worth it?
It covers the early weeks most claims fall in, but pays far less time than long-term cover.