Disability Insurance Calculator: Benefit and Premium

How to use

1. Enter your income and target replacement percentage.
2. Choose elimination period, benefit period, occupation class and age band.
3. Add riders if your policy includes them.
4. Press Calculate for the monthly benefit and the estimated premium.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Long-term disability insurance is priced from your benefit amount and shaped by four big levers: the elimination period (how long you wait before checks start), the benefit period (how long checks last), your occupation class, and your age. This calculator first sizes the benefit — a replacement percentage of your income, capped at the monthly maximum many individual policies use — then estimates a premium from a clearly labeled base rate per $1,000 of monthly benefit multiplied by those levers. It also totals the potential payout over a finite benefit period so you can see what the protection is actually worth, and shows how caps reduce your effective replacement rate. Assumptions are simplified and individually adjustable; group policies through an employer differ from individual coverage. Treat the output as an educational estimate, not professional advice. Everything computes locally — nothing is uploaded or stored.

FAQ

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