Free Disability Calculators

9 tools

Short-term and long-term disability insurance calculators. Browse our free disability tools below — no sign-up required.

Compare 2-year, 5-year, and to-age-65 disability benefit periods to evaluate total potential payouts and premium cost differences.

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Calculate how a cost-of-living adjustment (COLA) rider increases disability benefits over time to keep pace with inflation.

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Calculate your disability income gap by comparing current income against potential disability benefits from employer, Social Security, and savings.

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Calculate how much savings you need to cover the elimination (waiting) period before disability insurance benefits begin paying.

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Estimate long-term disability insurance premiums based on income, benefit period, elimination period, occupation class, and age.

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Compare own-occupation and any-occupation disability definitions to understand coverage differences, benefit scenarios, and premium costs.

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Calculate the proportional disability benefit when you can work part-time, based on income loss percentage and your full disability benefit.

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Estimate short-term disability insurance premiums based on income, benefit percentage, waiting period, and benefit duration options.

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Estimate your Social Security Disability Insurance (SSDI) monthly benefit based on your average indexed monthly earnings and work credits.

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