Long-Term Disability Calculator

What does your LTD actually pay?

Enter your income and plan details below to see your real monthly benefit — after caps, taxes, and waiting periods.

Your income

Annual income

$

LTD replacement rate

%

Your plan details

Monthly benefit cap

$

Who pays the premium?

Federal tax bracket

Elimination period

Your results

Gross benefit — before cap & tax

Net benefit — take-home / month

Real replacement — vs. stated 60%

Real replacement rate —

Step-by-step breakdown

Monthly gross income —

Stated benefit (60% of gross) —

After monthly benefit cap —

After federal income tax —

Income absorbed during wait (90 days) —

Enter your details above to see your personalised analysis.

Talk to WAIN about your gap → Licensed broker
Serving NY & NJ residents