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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Disability Insurance Needs</H1><P>One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This calculator helps you determine how much disability insurance you may need to cover expenses during such a disability.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="380" width="565"><param name="code" value="Disability" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="Disability.class" align="baseline" WIDTH="565" HEIGHT="380" archive="dinkytown.jar"><![endif]> <PARAM name="MONTHLY_INCOME" value="3000"> <PARAM name="MONTHLY_EXPENSES" value="2500"> <PARAM name="MONTHLY_DISABILITY_EXPENSES" value="1750"> <PARAM name="LENGTH_OF_DISABILITY" value="12"> <PARAM name="CURRENT_MONTHLY_COVERAGE" value="1500"> <PARAM name="LENGTH_OF_CURRENT_COVERAGE" value="6"> <PARAM name="ANNUAL_INFLATION" value="3.1"> <PARAM name="DEFAULT_EXPENSE_PERCENT" value="70"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Disability Insurance</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Disability Insurance Needs</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>SHORT_MESSAGE</H1>**GRAPH**<P>LONG_MESSAGE <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=2><CENTER><B>Results Summary</B></CENTER></TD></TR> <TR><TD><b>Net income </b> </TD><TD> MONTHLY_INCOME per month</TD></TR> <TR><TD><b>Current expenses </b> </TD><TD> MONTHLY_EXPENSES per month</TD></TR> <TR><TD><b>Expenses during disability</b> </TD><TD> MONTHLY_DISABILITY_EXPENSES per month</TD></TR> <TR><TD><b>Disability expenses after ANNUAL_INFLATION annual inflation</b> </TD><TD> INFLATION_DISABILITY_EXPENSES per month after LENGTH_OF_DISABILITY months. </TD></TR> <TR><TD><b>Length of disability </b> </TD><TD> LENGTH_OF_DISABILITY months</TD></TR> <TR><TD><b>Current coverage </b> </TD><TD> CURRENT_MONTHLY_COVERAGE per month</TD></TR> <TR><TD><b>Length of current coverage </b> </TD><TD> LENGTH_OF_CURRENT_COVERAGE months</TD></TR> </TABLE></TD></TR></TABLE></CENTER> <P><DIV class=large>Monthly expenses and Insurance coverage</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Monthly net income</B><DD>Your monthly net income. This calculation is done on an individual basis. Do not include your spouse's income.<P> <DT><B>Current monthly expenses</B><DD>Your total monthly living expenses. Remember to include your home or rent payments, food, clothing, gas, phone and other monthly expenses.<P> <DT><B>Monthly expenses during disability</B><DD>Your monthly expenses while you are disabled. This amount is usually a little less than your original monthly expenses. The default value for this field is calculated as 70% of your current monthly expenses. You should keep in mind however, that many expenses such as your mortgage, rent, utilities and food will most likely remain the same as before you were disabled.<P> <DT><B>Length of disability</B><DD>The number of months you expect a disability will prevent you from working. A common mistake is to underestimate the time it takes to get back to work.<P> <DT><B>Current monthly coverage</B><DD>Your current monthly disability coverage. Make sure to include any disability coverage supplied by your employer.<P> <DT><B>Length of coverage</B><DD>Number of months that your current monthly coverage will last.<P> <DT><B>Annual inflation</B><DD>What you expect for the average long-term inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI), which has a long-term average of 3.1% annually, from 1925 through 2009. The CPI for 2009 was -1.0%, as reported by the Minneapolis Federal Reserve. If you are disabled for a short period of time, inflation is usually not a very important factor. However, you may need to consider the effect of inflation if you remain disabled for more than a few years. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>