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Disability Insurance Needs Calculator
Find out if your income is protected if you couldn't work — and how much disability coverage would actually close the gap.
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Your results
Monthly shortfall
$3,200
Recommended coverage
$3,850
A typical policy replaces 60–70% of income. That's $3,300 to $3,850/mo for you — an additional $3,850 beyond what you have now.
Your emergency fund only covers about 2.8 months, which is short of your 3-month waiting period. Consider building that up or choosing a shorter waiting period.
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