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How much of your income would actually be replaced?

Group disability plans are real — and they come with caps, waiting periods, and end dates. This tool measures the gap between the income your household needs if you couldn't work and what you'd actually receive.

Your income picture

Defaults are typical starting points — adjust everything to your situation.

Monthly gross income ($/month)

Your gross (pre-tax) income. Business owners: use a sustainable monthly figure, not a peak month.

Essential monthly expenses ($/month)

The floor of the budget: mortgage/rent, food, utilities, transport, insurance.

Other monthly income ($/month)

A spouse's income or savings your household could rely on if you were out of work.

Existing group disability benefit ($/month)

What your employer's long-term plan would actually pay — check your benefit summary for the cap. 0 if you have no plan.

Target income replacement: 60%

Most long-term disability plans replace 60–67% of income. A common target for the total picture (group + individual + other) is 60–70% of gross income.

Your income gap

Runs instantly in your browser — nothing is sent or stored.

Enter your income picture and press "Measure my gap" to see your target income, what's already covered, and the difference.

Assumptions behind this estimate

Target income = your chosen percentage of gross income
Covered = your existing group benefit plus other reliable income
Doesn't model waiting periods, benefit durations, or underwriting
Group benefits vary widely — verify your actual benefit amount in your plan documents

This is an educational estimate, not a quote, an approval, or financial advice. It does not guarantee any financial outcome. Whether individual coverage is available — and at what cost — depends on underwriting. Bring this number to a conversation with a WealthBox advisor: disability insurance, explained.

Discuss this gap with WealthBox

Understanding the result

Why the gap is usually bigger than people think

Three quiet facts do most of the work here. First, group benefits are usually caped — a $50,000 or $100,000 maximum — so higher earners fall further short as their salary grows. Second, they often stop at 65, leaving the years to a later retirement uncovered. Third, the "disability" definition decides when benefits start and stop, and definitions vary between plans. The number this tool produces is the conversation-starter: this much monthly income would need another source. Whether that source is individual disability income insurance, a bigger emergency fund, or a mix of both is a decision with trade-offs — which is exactly the kind of call we make together, with your documents in front of us.