Free Tool
Disability Income Gap Calculator
Estimate the gap between an employer LTD benefit and monthly spending needs.
Employer disability coverage gap
How to use this responsibly: Enter numbers from your actual quote, declarations page, benefits guide or budget. The tool does not retrieve carrier pricing, determine eligibility, or replace plan/policy documents.
Why we built it
Insurance shopping gets easier when a vague trade-off becomes a number you can inspect. This tool is designed to expose the assumptions so you can change them, rather than hide them behind a “best plan” score.