Work out disability benefit instantly with clear inputs, formula shown and shareable results.
Disability benefits are usually a percentage of pre-disability income, scaled by the assessed degree of disability and payable for a defined benefit period or to a stated age. The replacement rate is deliberately below 100% to preserve the incentive to return to work.
Monthly benefit
Benefit = Monthly income x Replacement % x Assessed disability %
Total benefit
Total = Monthly benefit x Benefit period in months
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Own-occupation pays if you cannot do your own job; any-occupation only pays if you cannot do any suitable work. Own-occupation is materially more valuable.
Almost always — commonly 30 to 180 days, known as the deferred or elimination period. A longer wait reduces the premium.