Every family has unique circumstances that can make it difficult to estimate their insurance needs. Take a few minutes to estimate the amount of income you may need to replace if you become unable to work because of a disability.
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 products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact your HR representative for additional information, including costs and complete details of coverage.
The Standard is a marketing name for StanCorp Financial Group, Inc., and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 360 Hamilton Avenue, Suite 210, White Plains, New York. Product features and availability vary by state and company and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.