Disability insurance replaces a portion of your income when you can't work due to illness or injury.

But how much do you need? Everyone's circumstances are different. This calculator will help you estimate how much coverage is right for you.1

It's easy. Start by telling us about your expenses.

     What are your essential monthly expenses?
     Monthly housing (e.g., mortgage, rent, insurance, taxes) $    Trans
     Utilities (e.g., telephone, electricity, gas, oil, cable TV, internet) $   
     Food $   
     Transportation (e.g., car payments, gasoline, insurance) $   
     Education (e.g., tuition, books, supplies) $   
     Health care (e.g., out-of-pocket costs, insurance premiums) $   
     Debt payments (e.g., credit cards, other debt) $   
     Other (e.g., dependent care, life insurance premiums) $   
        Total essential monthly expenses2       $  

1 The Disability Insurance Calculator provides only an estimate of your income protection needs. This estimate does not represent an offer of coverage or guarantee eligibility. To apply for disability income insurance, you must complete an application, which does not guarantee that MetLife will issue a policy to you. You must meet MetLife's underwriting requirements in order to be accepted for coverage. If you are accepted for coverage, the benefit amount may vary from the estimate provided by this calculator. For further details contact a MetLife Representative.

2 Consider the effect a disabling illness or injury could have on your expenses. Certain expenses may decrease as a result of a disability and other expenses may increase or be created.