How Much Disability Insurance Do You Need?
Calculate disability insurance coverage based on income, expenses, and existing coverage. Protect your earning power.
Why Disability Insurance Matters
Your ability to earn income is your most valuable financial asset. A 30-year-old earning $75,000/year will earn approximately $2.6 million before retirement. Disability insurance protects this earning power. According to the Social Security Administration, 1 in 4 workers will experience a disability lasting 90+ days before age 65. Yet fewer than 40% of private-sector workers have long-term disability coverage. Most disabilities are not dramatic injuries — they are back problems, cancer, mental health conditions, and cardiovascular issues.
How Much Coverage You Need
Standard recommendation: replace 60-70% of gross income. This matches most policy maximums and, because disability benefits from individual policies are tax-free (if you pay premiums with after-tax dollars), 60% of gross approximately equals your take-home pay. Factor in: spouse income, employer coverage, Social Security Disability (SSDI), and savings runway. The gap between your essential expenses and guaranteed income sources is what your individual policy should cover.
Disability insurance calculator has $15-30 CPC — among the highest in insurance. The audience is high-income professionals actively evaluating coverage, making this extremely valuable for insurance carrier advertising. Low search volume (10K/mo) but exceptional revenue per visitor.
