Regular Savings(retirement, education and other savings)
Other Bills(home maintenance, holidays, school dues/fees, allowances, etc.)
Total Monthly Expenses
Step 2: Enter your expected monthly income while disabled
Group and/or Personal Long-Term Disability Benefits (income you would receive from either your group benefits plan and/or a personally owned disability insurance policy)
Investment Income (interest income or capital growth earned from stocks, bonds, GICs, etc.)
Passive Income(income from rents, royalties and other sources that would continue if you were disabled)
Business Income(any business-related income that would continue while disabled)
Other Long-Term Disability Income Sources
Spousal Income(if your spouse is able to continue to work)
Total Income While Disabled
Result: Your disability insurance shortfall
Amount of Disability Insurance You Need
Note: This calculator is intended to provide estimates only. Please speak to a licensed insurance broker at Freestone Capital Inc. for a recommendation tailored to your specific disability insurance needs.
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