Monthly take-home income 

You $

Spouse or partner $

Other available income 

    $

Total income:

Mortgage or rent 

$

Food and supplies 

$

Total debt payments 

$

Utilities 

 

Electricity

$

Gas

$

Phone

$

Cable

$

Internet

$

Water and sewage

$

Garbage

$

Home maintenance fees

$

Other

$

Total Utilities:

Total Household Expenses:

Insurance 

$

Medical 

$

Childcare and education 

$

Savings and investments 

$

Personal expenses 

$

Other 

$

Total Living Expenses:

Income Your Family May Need If You Become Disabled

Average monthly expenses:

Family's monthly income if you become disabled:

Income your family would need to replace:

Percentage of your income:

Please keep in mind that there may be other sources of income available to you if you become disabled, including disability retirement, state disability, Social Security, etc. These other benefits may reduce the benefit payable by The Standard. Please be sure to review the Certificate of Insurance for a description of the disability coverage before making your decision to purchase disability insurance.

This calculator is only intended to provide a general estimate of your family's potential income needs and should not be considered financial advice. For a more accurate and detailed analysis, please consult with a professional financial planner.

The disability insurance policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or terminated. Please contact The Standard or your employer for additional information, including costs and compelte details of coverage.