If you depend on your regular paycheck to pay your bills, what would happen if you became sick and unable to work for 180 days or longer? Are you prepared for the unexpected? LTD insurance from The Standard may help you prepare for the unexpected.

To help determine your need for disability income protection, complete the worksheet below.

Monthly Expenses
Food
Mortgage/rent
Childcare/education
Utilities
(electricity, phone, etc.)
Clothing
Debts
Insurance
Taxes
Other
Total monthly expenses
Monthly Income
Take home pay
Spouse income
Other income
Total monthly income

Calculated Results

LTD Insurance Needs Analysis
Total monthly expenses
Total monthly income in the event of your disability
LTD insurance needed

You've determined if you need LTD insurance. To see how much it will cost to purchase coverage, use the Premium Calculator.