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Learn how Aflac pays cash benefits to help with out-of-pocket expenses that your major medical may not cover.
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Disability Needs Calculator

Find out if you need coverage to help protect your paycheck if you're unable to work for a period of time.

Answer a few quick questions to see if you need disability insurance to help protect your paycheck, the things you value, and make sure you meet your financial goals.

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Income & Savings

More than half of Americans couldn't cover three months of expenses with an emergency fund.¹

* = required field

Take home pay is the amount you receive in your paycheck after taxes.

Your spouse or partner’s take home pay is the amount they receive in their paycheck after taxes.

This could be checking or savings accounts, or investment accounts.

Expenses

How much do you spend each month on things like rent, mortgage, groceries, childcare, car payments and medical premiums? Other examples of monthly expenses are: Utilities, retirement contributions, entertainment, going to restaurants, auto & home insurance premiums or cell phone bills

* = required field

Add all your regular monthly expenses up and enter the total here.

Back Calculate Results

How much money would be left if you couldn't work?

If you were out of work for 3 months

-$1,111

Amount of income/savings
you would have left

If you were out of work for 6 months

-$0

Amount of income/savings
you would have left

Based on your answers, you would not be able to cover your expenses if you were disabled by an illness or injury.

You should consider choosing a disability plan.

Based on your answers, you could use your savings to cover some of your expenses if you were disabled by an illness or injury, but you could add disability insurance to help protect your income, too.

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1. Income & Savings
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2. Expenses
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3. Your Results

Disability Insurance Video

Disclaimer

¹ Bankrate.com. Survey: More Than Half Of Americans Couldn't Cover Three Months of Expenses With Emergency Savings. Published: July 21, 2021. Accessed: November 28, 2022. https://www.bankrate.com/banking/savings/emergency-savings-survey-july-2021/.

This is a brief product overview only. Coverage may not be available in all states. The plan has limitations and exclusions that affect benefits payable. Refer to the plans for complete details. Policy form number ICC20 CDL1100. In New York, policy form AFDI1100NY. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. In New York, coverage is underwritten by American Family Life Assurance Company of New York.

Continental American Insurance Company | Columbia, SC

American Family Life Assurance Company of New York | 22 Corporate Woods Boulevard Albany, New York 12211

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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)

Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.

Aflac Worldwide Headquarters | Columbus, GA

Aflac Group | Columbia, SC

American Family Life Assurance Company of New York | Albany, NY

Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.

Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)

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Notifications from Aflac

Individuals & Families

Business Owners

Agents

Brokers

Disability Needs Calculator

Income & Savings

Expenses

How much money would be left if you couldn't work?