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    Disability Insurance Needs Calculator

    Find the gap between your expenses and existing coverage to size a disability policy.

    Enter your details

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    Additional monthly benefit needed
    $1,850/month
    Target benefit (70% of income)$3,850
    Existing group coverage$2,000
    Essential monthly expenses$4,000

    Disability policies typically replace 60–70% of income since benefits are often tax-free. Group LTD caps and taxable benefits can leave a gap that individual coverage fills.

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