Net benefit
$8,500
34% of gross monthly income.
Planning Tools
Calculator
Disability Income Gap Calculator
Estimate whether disability coverage, bridge savings, and continuing income could protect essential household expenses if work income stops.
Insurance PlanningIncome ContinuityRisk Management
Gap Estimate
Disability income gap
Monthly essentials gap after benefits
$3,500
The current setup leaves about $3,500 a month of essential-expense gap after benefits begin, plus roughly $11,000 of waiting-period shortfall after current savings.
Bridge shortfall
$11,000
Waiting-period gap after savings.
First-year gap
$42,500
Modeled 12-month pressure after savings.
Gap View
Compare expenses, support after benefits, the monthly gap, and the waiting-period bridge.
After benefits begin
- Essential monthly expenses
- $12,000
- Other monthly income
- $0
- Estimated net benefit
- $8,500
- Total monthly support
- $8,500
- Remaining monthly gap
- $3,500
Before benefits begin
- Monthly gap during wait
- $12,000
- Elimination period
- 3 months
- Total bridge need
- $36,000
- Current bridge savings
- $25,000
- Bridge shortfall
- $11,000
How to use this tool
Use the estimate to test income continuity.
01
Define the household floor
Use essential monthly spending, not lifestyle spending. The estimate is strongest when the expense number reflects what must continue during an income disruption.
02
Test the policy details
Employer benefit percentages can look generous until monthly caps, tax treatment, offsets, and the waiting period are applied.
03
Read the two gaps together
A plan can cover the monthly budget once benefits begin and still leave a liquidity issue during the elimination period.
About this model
A coverage-readiness estimate, not an insurance quote.
This calculator compares essential monthly expenses with continuing income, estimated disability benefits, benefit taxes, and bridge savings.
The model is most useful when actual plan details are available. Benefit definitions, monthly caps, offsets, elimination periods, premium tax treatment, and whether coverage is tied to employment can materially change the result.
Bring the income-continuity question into focus.
If the estimate shows a gap, review employer coverage, individual policy options, liquidity reserves, tax treatment, and business-owner exposure with PeakStone.