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🦽 Disability Insurance Calculator
Protect your income if you can't work.
Your Income & Expenses
Disability Insurance Analysis
Recommended Monthly Benefit
$0
Coverage Gap
$0
Est. Premium
Income Gap Analysis
💡 Key Tip: Most disability policies pay 60-70% of your income. If employer-provided, benefits may be taxable. Personal policies are tax-free.
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Why Disability Insurance Matters
Disability insurance replaces a portion of your income if illness or injury prevents you from working. It's often called your most important insurance because your ability to earn is your greatest asset.
Types of Disability Coverage
- Short-term: Covers 3-6 months, often through employer
- Long-term: Covers years or until retirement age
- Own-occupation: Pays if you can't do YOUR job
- Any-occupation: Pays only if you can't do ANY job