How Much Disability Income Do I Need?

Your chances of becoming disabled are far greater than your chances of dying. It may surprise you that one out of three individuals will suffer a disabilty that lasts at least 90 days. One out of ten will be permanently disabled prior to age 65.

* Source: Group Benefits - Basic Concepts and Alternatives, Burton T Beane, Jr. American College, 1993

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Monthly Income (if disabled)

1. Spouse's after-tax income
2. Investment income
3. Group/Individual disability income
4. Other monthly income

Monthly Expenses

1. Mortgage or rent
2. Loan repayments
3. Utilities
4. Food
5. Clothing
6. Transportation
7. Education/Tuition
8. Medical/Personal Care
9. Insurance premiums
10. Other expenses

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