Disability Probability & Impact Calculator

Combine disability probability with income loss to show expected exposure.

Enter your details

Annual income

Current age

Retirement age

Career disability probability

Average disability length (years)

Coverage replacement %

Expected uncovered income loss

$27,000

Years to retirement$30

Gross loss per disability$270K

Covered by insurance$162K

Uncovered per disability$108K

Even with coverage, a disability can mean a meaningful expected loss. Higher replacement rates and longer benefit periods reduce the exposure.

Estimate the monthly disability benefit you need.

Estimate annual premiums for an individual disability policy.

Compare cost and protection of own-occ vs any-occ definitions.

Choose a benefit period based on recovery and retirement age.