Line D · Income protection
Disability income and long-term care are the coverages people most often skip because the risk feels abstract. These calculators turn it into a monthly shortfall or a funding gap in dollars, from the prospect's own income, expenses, savings and care-cost assumptions — the most persuasive form an income-protection conversation can take.
What you get
Disability & LTC
The visitor sets their monthly income, a replacement target, any group benefit, other household income and must-pay expenses. You receive the additional monthly benefit they would need and the shortfall against their bills.
5 inputs · 5 results
The visitor enters today's annual care cost, a care inflation rate, years until care, expected duration and the savings they have set aside. You receive the projected future cost and the funding gap in future dollars.
5 inputs · 5 results
It compares a target benefit — a share of monthly income — against what would keep arriving during a disability (existing group or individual benefits, a spouse's income, investment income) and against essential monthly expenses. The result is the additional monthly coverage needed and the shortfall before any new coverage.
For producers, the essential-expenses figure is gold: it tells you the minimum benefit that keeps the household afloat, which frames the conversation about benefit amount, elimination period and own-occupation definitions. See the disability insurance calculator.
It inflates today's annual cost of the expected type of care over the years until care is needed, multiplies by the expected duration, and subtracts savings set aside. The funding gap it shows is the number traditional LTC, hybrid life/LTC and annuity-based solutions are designed to address.
Because care inflation and timing compound, the long-term care calculator often surprises people in their fifties — which is precisely when underwriting and premiums are most favorable.
Pair disability income with life on a "protect your paycheck" page for working families and professionals, and place long-term care on retirement, Medicare-age and annuity pages. Small-business pages can carry both, since owners usually have no group coverage at all.
FAQ
Answers first, details after.
The disability insurance calculator and the long-term care calculator. The critical illness calculator on the health line covers lump-sum needs.
The visitor sets the share of income to replace. Many individual policies cap benefits at roughly 60 to 70 percent of income, and the field's help text says so, but the prospect chooses the target and you see what they picked.
Yes — monthly income, other income and essential expenses work for owners as well as employees. Business overhead expense coverage is a separate product, and the conversation about it often starts from this result.
From the visitor. They enter what a year of their expected care would cost today and a care-inflation rate; the calculator projects it forward. You may want to point visitors to your state's published cost data alongside the calculator.
Medicare generally doesn't cover long-term custodial care. That gap is why the long-term care calculator is also listed on our Medicare-age planning hub.
Disability leads arrive with monthly income, target replacement, existing benefits, other income and essential expenses, plus the computed shortfall. LTC leads arrive with the current cost, inflation, years until care, duration, savings and the funding gap.
Yes. A tabs or cards widget can hold life, disability and long-term care together, so a visitor can move between them and you receive a lead from whichever they complete. See multi-calculator widgets.
Both are included on every plan, including the free Producer plan with up to 5 calculators.
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