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,
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 ($) 
Other expenses ($) 
The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Any rate of return entered into the interactive calculator to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk.

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