Tools
Calculators and lookups that run in your browser. Nothing is stored, nothing is sent, and no email is asked for. Each tool publishes its method.
- Calculator Group LTD gap calculator How much of your take-home pay your employer plan would replace after the cap, bonus exclusions, and tax, and what is left to cover. Inputs: salary, bonus, plan terms, tax rateMethod reviewed Sep 2026
- Lookup Hospital and employer group LTD lookup Search plan summaries by employer to see benefit percentage, monthly cap, definition, and tax status before you buy anything. Inputs: employer nameMethod reviewed Jul 2026
- Calculator Lifetime earnings calculator What your income is worth from today to age 67 with modest raises. The number most people have never seen. Inputs: age, profession, incomeMethod reviewed Sep 2026
- Explainer Definition of disability simulator Pick a scenario and see what true own-occupation, modified own-occupation, and any-occupation each pay. Inputs: scenario, new incomeMethod reviewed Aug 2026
- Calculator Coverage stacking planner Layer group coverage and an individual policy against your income and see the uncovered remainder. Inputs: income, cap, individual benefitMethod reviewed Aug 2026
- Checklist Policy review checklist Twelve items to check in any disability contract, printable, with the page reference for each. Inputs: noneMethod reviewed Jun 2026
How the tools are built
Every calculator states its assumptions on the page and links to a methodology note. Figures are illustrations, not quotes. Where a tool uses our datasets, such as the group LTD lookup, the sample size and update date are shown beside the result.
Results can be printed or saved as PDF from your browser. We do not keep a copy.
When a tool is not enough
A complimentary policy review reads your actual documents: group certificate, existing policy, or a quote you received elsewhere. You get a written summary in two business days.
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