Disability insurance calculator
Individual long-term disability insurance typically replaces about 60% of your gross income, because individually-paid benefits are usually tax-free. This calculator estimates the monthly benefit you should carry to protect your income.
Recommended benefit
$3,600.00/mo
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How this estimate is calculated
We multiply your gross monthly income by your chosen replacement ratio (60% by default, the typical individual-policy cap) and subtract any existing coverage such as employer group benefits. Actual policies vary by occupation class, elimination period, benefit period and rider selection.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- Insurance Information Institute — Disability insurance — how much income replacement you need (2025)
- Council for Disability Awareness — Individual disability insurance typically replaces ~60% of gross income (2024)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.