Step 1About You
Step 2Existing Coverage
Step 3Coverage Design
Step 4Results
Tell us about yourself
We use this to estimate your tax bracket and frame the analysis.
Before taxes
$
For reference — most states have no state disability program
What coverage do you already have?
Include employer group plans, Social Security disability, and any individual policies you own.
Employer group disability
Most employers offer 60% of salary, often with a monthly cap
60%
$
50%
SSDI eligible
Social Security Disability Insurance — average benefit ~$1,800/mo
Existing individual policy
A policy you own personally (benefits are tax-free)
Design your coverage
These parameters shape the individual policy that would fill your gap.
Most advisors recommend 60-70% of gross income
65%
Waiting period before benefits begin
How long benefits will pay
COLA rider (Cost of Living Adjustment)
Increases benefit annually to keep pace with inflation
Monthly Coverage Gap
$0
Additional monthly disability benefit needed
Monthly Income Need
$0
Existing Coverage (After Tax)
$0
Income Replacement Breakdown
The Group Coverage Tax Trap
Premium estimate: Individual disability insurance typically costs 1-3% of annual income. For a $0-$0/year premium, actual costs vary by age, health, occupation, and policy design. This is a planning estimate only.
Disclaimer: This calculator is for educational discussion only. It is not an offer of insurance, not underwriting, and not tax or legal advice. Vantage Point Financial LLC is a registered investment adviser.
Results depend entirely on the assumptions and inputs you provide. Tax calculations use simplified 2025 federal brackets and do not account for deductions, credits, or state taxes. Consult a licensed insurance and financial professional before purchasing coverage.