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Disability Pension Calculator

Work out disability pension instantly with clear inputs, formula shown and shareable results.

About Disability Pension Calculator

A disability pension combines a service element based on length of service and last pay with a disability element proportionate to the assessed degree of disability, subject to a minimum guarantee. Assessment percentages are set by a medical board, and rounding rules often apply.

Formulas

Service element

Service element = Last drawn pay x Service percentage

Disability element

Disability element = Last drawn pay x 30% x Assessed disability %

Pension

Pension = max(Service + Disability element, Minimum guarantee)

Worked example

With the default values below, Disability Pension Calculator returns Monthly disability pension of $44,200.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Last drawn pay
65,000
Assessed disability
60
Service element of pension
50
Minimum guaranteed pension
9,000

Results

Monthly disability pension
$44,200.00
Service element
$32,500.00
Disability element
$11,700.00
Headroom above the minimum guarantee
$35,200.00

Step by step

  1. 1Values used
  2. 2Service element
  3. 3Disability element
  4. 4Pension
  5. 5Monthly disability pension= 44,200.00
  6. 6Service element= 32,500.00
  7. 7Disability element= 11,700.00
  8. 8Headroom above the minimum guarantee= 35,200.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • 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.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

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.

Frequently Asked Questions

Is the disability percentage rounded?

Many rules round the assessment into bands — for example 50-75% treated as 75% — which can significantly increase the entitlement.

Is a disability pension taxable?

Treatment varies. Disability pensions are exempt in some jurisdictions and for some services; confirm the applicable rule.

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