Disability Insurance
See what your employer LTD actually pays after taxes — and how much private coverage you need to keep the lights on if you can't work.
$1,425/mo
private coverage gap
Est. $29/mo premium
Your coverage
Employer LTD
$4,500/mo
After taxes
$3,375/mo
Monthly gap
$1,425/mo
Private policy target
$1,425/mo
Est. premium
$29/mo
Years to protect
27 yrs
Freedom Coach™
You have a $1,425/mo gap if you can't work. Fill it with a private policy.
Employer LTD pays ~$4,500/mo (~$3,375 after taxes). You need 27 more years of paycheck protection.
Premium
Save policy scenarios (own-occ, riders, benefit periods) and compare group vs. individual coverage.
Unlock Premium1 in 4 workers experiences a disability lasting 90+ days during their career. Your paycheck is your most valuable asset — insure it like you insure your car.
It pays if you can't do YOUR specific job (e.g., surgeon can't operate). Cheaper policies use 'any occupation' — much harder to collect on. Always pay for own-occ.
Rarely. Employer LTD typically covers 60% of base salary, is taxable (netting ~45%), and dies when you leave the job. Layer a private policy on top.
Enough to cover essential monthly expenses (housing, food, insurance, minimums) after any employer benefit and emergency fund runs out.
Typically 1–3% of income annually. A $6k/mo benefit for a healthy 35-year-old runs ~$100–$200/mo depending on riders.
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