How much disability income insurance do I need?

Your chances of becoming disabled are far greater than your chances of dying. It may surprise you that in December of 2010, there were over 2.5 million disabled workers in their 20s, 30s, and 40s receiving Social Security insurance benefits due to a disability.*

* Source: Social Security Administration, Disabled Worker Beneficiary Statistics, ssa.gov
Monthly Income (if disabled)
Spouse's after-tax income ($) 
Investment income ($) 
Group/Individual disability income ($) 
Other monthly income ($) 
Monthly Expenses
Mortgage or rent ($) 
Loan repayments ($) 
Utilities ($) 
Food ($) 
Clothing ($) 
Transportation ($) 
Education/Tuition ($) 
Medical/Personal Care ($) 
Insurance premiums ($) 
Other expenses ($) 
   
All calculators and tools are supplied as a courtesy only. FHB is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. The output and results should not be construed as financial, legal or tax advice, and the calculators and tools are not intended to replace the advice of qualified professionals. You should not rely on the calculators and tools as your only source of information. You should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.

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