Path to Insure

Disability Insurance Needs Calculator

Finds the gap between your income-replacement target and any existing employer disability benefit, then attaches an illustrative premium to cover it.

What this calculator does not do

This tool will never generate a real premium quote, bind coverage, or replace advice from a licensed insurance professional. Any number it produces is an illustrative estimate based on a disclosed methodology, intended to help you understand your options before you compare real providers.

Existing employer group long-term-disability benefit

Don't know? Check your benefits portal or HR — or select "I don't know" below and we'll assume $0 existing coverage.

Commonly-cited range is 60–70% of income — adjust as needed.

Informational — affects real underwriting, modeled here as a disclosed rate factor only.

Compare disability insurance quotes

This calculator never binds coverage. The next step simply shows real, licensed providers you can compare.

Not an insurance company — we help you find your path to a licensed insurer. May include partner links. Read more