🦯 Disability Coverage Checker
Enter your income, savings, and monthly expenses. See if you have a disability coverage gap.
About This Tool
Check if you have a disability coverage gap. One in four workers becomes disabled before retirement. Most have no individual disability insurance and rely solely on employer coverage that ends when the job does.
How It Works
Enter your monthly income, expenses, emergency savings months, employer disability coverage, individual disability policy, partner income, estimated SSDI, and housing costs. The calculator shows how many months you can survive without income and identifies the gap.
Why It Matters
Social Security Disability pays an average of $1,400 per month. If your expenses are $4,000, you have a $2,600 monthly gap. Without individual disability insurance, you burn through savings in months, not years.
Your Information
Results
Enter your income, expenses, and existing disability coverage to check for gaps.