INSURANCE HOME LIFE INSURANCE LIVING BENEFITS Critical Illness Disability Long Term Care Health & Dental Travel Medical BUY INSURANCE ONLINE TOOLBOX ASSOCIATIONS & ALUMNI CONTACT US	Disability Insurance Preparing for the unexpected Your ability to earn an income may be your most valuable asset during your working years. This calculator will help you identify the amount of income you would need if a disability prevents you from working. It is important to remember that changes in your financial circumstances may lead to a change in your disability insurance strategy. We suggest that you review this strategy regularly with your advisor. To begin, enter the information requested and click Calculate. 1. Expenses Amount per Month Mortgage or Rent $ Food $ Clothing $ Loans $ Utilities $ Medical/Dental Care $ Auto Expenses $ Tuition/Memberships $ Personal Care $ Insurance Premiums $ Total Monthly Expenses $ 2. Existing disability protection (after-tax) If you were to suffer a disability, what other sources of income would you have on an after tax basis? Group Long Term Disability $ Individual $ Other $ 3. Current monthly earned income (before tax, after expenses) What is your current monthly gross earned income? $ Needs Analysis Total Monthly Expenses $ Total existing coverage $ Total new amount required $ Based on the information provided, it's estimated you need $ per month of income protection to cover your current living expenses. Business owners may have additional needs, such as office overhead protection or disability buy-sell protection Non-taxable benefit limit*: $. * This amount is based only on your current income. The amount of disability insurance that you are eligible for depends on many factors, in particular your current income, occupation and existing disability coverage.