Disability Insurance Needs Calculator: How Much Coverage Do You Need?

Is your income protected? It should be. Use our disability income insurance (DI) calculator to estimate the total monthly expenses your income has to cover.

Determining how much DI you may need is an important part of financial planning. This calculator is designed to help estimate your income protection needs based on your current income, expenses and financial goals. Understanding how disability insurance works can help you evaluate the level of coverage that may be appropriate for your situation.

Monthly Expenses

Use slider bars to determine your monthly expenses.

 
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Your Income

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Ready to get started?

Now is the best time to talk to an agent about your coverage needs.

Request an Agent

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Are Illinois Mutual DI products available in your state?

Find out with our interactive map

Frequently Asked Questions About Disability Insurance Needs

How much disability insurance should I have?

The amount of coverage can vary based on income, expenses and available financial resources.

What does a disability insurance calculator estimate?

A calculator may provide a general estimate of income protection needs based on the information entered.

Is a disability insurance calculator accurate?

Results are typically estimates and should be reviewed alongside policy details and professional guidance.