This calculator illustrates the benefit of appropriate disability insurance protection by comparing your current financial situation to what happens at disability.
IFR Module 219 · Insurance and Financial Review Methodology
Current
Current with Disability
Client Data
👤 Client Info
🛡️ Protection
📈 Income Producing Assets
%
💳 Liabilities
💰 Cash Flow (Annual)
🏥 Disability Assumptions
Pay Off Short-Term Debt?
Pay Off Mortgages?
Create Reserve Fund?
Add S.S. Disability Benefits?
Current Net Family Income
$0
Available after all costs
At Disability Net Income
$0
Income gap at disability
Annual Income Shortfall: $0
📊 Insurance and Financial Review Comparison
ProtectionCurrent → At Disability
Existing DI Benefit$0$0
Additional DI Benefit$0$0
Total Annual Benefit$0$0
Income Producing Assets
Savings$0
Investments$0
Retirement$0
Total$0
After disability adjustments:$0
Liabilities
Short Term$0
Current Taxes$0
Mortgages$0
Total$0
After disability adjustments:$0
Cash Flow (Annual)Current → At Disability
Total Family Income$0$0
Protection Costs$0$0
Annual Asset Building$0$0
Liability Costs$0$0
Net Family Income$0$0
📈 Income Gap Visualization
The Disability Needs Insight:
Your income IS your most valuable asset — a 35-year-old earning $300K has over $10M of future earnings at risk.
The odds are real — 1 in 3 workers will become disabled for 90+ days before age 65.
Social Security isn't enough — average SSDI benefit is ~$1,500/mo, and most applications are initially denied.
Group DI has gaps — typically covers only 60% of base salary, excludes bonuses, and is taxable if employer-paid.
The balance sheet tells the truth — when income stops, assets get liquidated, liabilities remain, and the family's lifestyle collapses.