MetLife Disability Calculator

How much disability insurance may be right for you?

Your employer may provide some disability insurance, but it may not be enough. MetLife believes a good rule of thumb is to protect 60-80% of your after-tax income.

Special Considerations for Short Term Disability:

If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”)1, you should carefully consider whether to enroll for this coverage. If you are eligible for State Benefits, you must apply if required by state law. If permitted, your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.

Get an idea of how this rule of thumb might work for your situation.

Step 1: Enter your gross income

Step 2: Slide to see range


Monthly disability need

The results assume a tax rate of 28%. The information presented herein is not legal advice and should not be relied upon or construed as legal advice. It is not permissible for MetLife or its employees or agents to give legal advice. The information herein is for general informational purposes only and does not purport to be complete or to cover every situation. You must consult with your own legal and financial advisors to determine how these laws will affect you.
1 These jurisdictions include, but may not be limited to, California, Connecticut, District of Columbia, Hawaii, Massachusetts, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Washington (and Colorado as of 1/1/24, Maryland, Delaware, and Minnesota as of 1/1/26, and Maine as of 5/1/26). Like most group benefit programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Ask your MetLife group representative for costs and complete details.
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