How Much Disability Coverage Do You Need?

Most physicians have some coverage through work and assume it’s enough. Enter your real numbers and see what would still be left on you. Every field is required — enter 0 for anything that doesn’t apply. Nothing is sent to us unless you ask for a review or a copy of your results.

Monthly benefit you’d still need to cover

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Group plan, in your pocket $0 Policy you own $0 Unprotected $0

Your income

Gross pay before tax, including bonus, call pay and productivity.

$
What you’d still have to pay each month

Not your whole budget — the things that wouldn’t stop if you couldn’t work. Enter 0 where something doesn’t apply.

$

$

$

$

$

$

$

$

Total you’d need each month—

What you already have

A group plan’s headline percentage is rarely what reaches you. The monthly cap and the tax treatment both cut into it.

%

$

$

$

Not sure what your employer actually provides?

Send us your benefits booklet and we’ll work out exactly what your group plan would pay you, then email you the answer along with where the gaps are.

By proceeding, you agree that DI4MDs may contact you about your results. Your answers above are sent to our office along with your name and email. We never sell your information.

Thank you

Upload your benefits booklet to our secure folder. A PDF, a photo of the pages, or the summary of benefits all work.

Open the secure upload folder

The arithmetic
Complete every field above and the figures will appear here.  

Want a copy of this?

We’ll email you everything above so you have the figures on hand.

By proceeding, you agree that DI4MDs may contact you about your results. We never sell your information.

Get quotes

This calculator provides a general estimate for educational purposes only and is not a quote, offer of coverage, or financial advice. It does not account for issue and participation limits, which cap how much coverage a carrier will actually write based on your income and any coverage already in force. Tax treatment depends on who pays the premium and on your individual circumstances; please confirm it with your tax adviser. Actual coverage needs and availability depend on underwriting. Please consult a licensed advisor.