Calculate your potential loss of income insurance claim accurately.
Formula
const daysOfDisability = inputs.disabilityEndDate - inputs.disabilityStartDate; const monthsOfDisability = daysOfDisability > 0 ? daysOfDisability / 30 : 0; const claimableMonths = Math.max(0, monthsOfDisability - (inputs.waitingPeriod / 30)); const monthlyBenefit = inputs.monthlyIncome * (inputs.policyCoverage / 100) - inputs.offsettingIncome; const totalClaim = Math.max(0, claimableMonths * monthlyBenefit); return { totalClaimAmount: totalClaim, numberOfMonthsClaimed: claimableMonths };Monthly Income Before Disability
5,000
Disability Start Date
0
Disability End Date
0
Policy Coverage Percentage
60
Waiting Period (Days)
30
Other Income Received During Disability
0
Use the result to compare providers, request quotes, or send the scenario to a specialist when the numbers matter.
Loss of Income Insurance Claim Estimator estimates Estimated Claim Amount, Number of Months Claimed based on Monthly Income Before Disability, Disability Start Date, Disability End Date, Policy Coverage Percentage. Use it to compare coverage tiers, understand premium drivers, and decide whether a higher deductible or additional rider makes financial sense. Results are directional — get a personalized quote from a licensed agent before purchasing.
Use this insurance calculator to compare scenarios before committing money, time, or a provider conversation.
The estimate combines Monthly Income Before Disability, Disability Start Date, Disability End Date and returns Estimated Claim Amount, Number of Months Claimed.
If the result changes your decision, verify the current quote, rate, eligibility rule, or provider term before acting.
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This calculator provides coverage estimates based on the inputs provided. It does not constitute insurance advice, a policy quote, or a binding offer. Coverage terms, exclusions, and premiums vary by carrier and jurisdiction. Consult a licensed insurance agent or broker.
Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.