Free Disability Calculators

Short-term and long-term disability insurance calculators. Browse our free disability tools below — all calculators are instant, accurate, and require no sign-up.

• Disability Benefit Period Comparison Calculator — Compare 2-year, 5-year, and to-age-65 disability benefit periods to evaluate total potential payouts and premium cost differences.
• Disability COLA Rider Value Calculator — Calculate how a cost-of-living adjustment (COLA) rider increases disability benefits over time to keep pace with inflation.
• Disability Income Need Calculator — Calculate your disability income gap by comparing current income against potential disability benefits from employer, Social Security, and savings.
• Elimination Period Savings Need Calculator — Calculate how much savings you need to cover the elimination (waiting) period before disability insurance benefits begin paying.
• Long-Term Disability Insurance Premium Calculator — Estimate long-term disability insurance premiums based on income, benefit period, elimination period, occupation class, and age.
• Residual Disability Proportional Benefit Calculator — Calculate the proportional disability benefit when you can work part-time, based on income loss percentage and your full disability benefit.
• Own-Occupation vs Any-Occupation Disability Comparison — Compare own-occupation and any-occupation disability definitions to understand coverage differences, benefit scenarios, and premium costs.
• Social Security Disability (SSDI) Benefit Estimator — Estimate your Social Security Disability Insurance (SSDI) monthly benefit based on your average indexed monthly earnings and work credits.
• Short-Term Disability Insurance Cost Calculator — Estimate short-term disability insurance premiums based on income, benefit percentage, waiting period, and benefit duration options.