Where to find your figures
Look for covered earnings, the benefit percentage, the maximum monthly benefit, and the elimination period in your benefits summary. Use the amount of earnings your policy counts.
Disability insurance U.S. insurance
How much income could disability coverage replace?
Estimate the gross income gap during the waiting period and the monthly gap after benefits start. Use the benefit percentage and cap from your policy.
Disability Insurance Paycheck Gap Calculator
Enter figures from your policy, quote, or benefits summary.
Worked example
See what the numbers mean
At $7,000 in monthly gross earnings, 60% gives $4,200 before the cap. A $3,500 cap leaves a modeled monthly gross income gap of $3,500.
Disability Insurance Paycheck Gap Calculator · paycheckgapcalc.com
The estimate assumes no benefit from this policy during the waiting period. Taxes, benefit offsets, excluded pay, eligibility, and payment timing affect what reaches your account.
Your figures stay in this browser. No uploads or account required.
Behind the estimate
Method & sources
How the math works
Multiply monthly gross covered earnings by the benefit percentage and apply the entered cap. Subtract the resulting benefit from monthly gross earnings. The waiting-period estimate converts monthly earnings to a daily average using 365 days.
Worked example
At $7,000 in monthly gross earnings, 60% gives $4,200 before the cap. A $3,500 cap leaves a modeled monthly gross income gap of $3,500.
What this estimate covers
The estimate assumes no benefit from this policy during the waiting period. Taxes, benefit offsets, excluded pay, eligibility, and payment timing affect what reaches your account.
Source notes
Consumer guidance reviewed .
- NAIC · Disability insurance
Income replacement percentages, waiting periods, offsets, and tax considerations.
Before you decide
Common questions
What does an elimination period mean?
It is the waiting period before the policy can start paying benefits for a qualifying disability. Use the number of days in the policy and confirm when the first payment would arrive.
Is my benefit percentage based on everything I earn?
Check the policy’s definition of covered earnings and the monthly benefit maximum. The employer’s plan may treat bonuses, commissions, or other sources of benefits differently. This tool compares gross figures.
Keep comparing