Disability Cover Calculator
Estimate the lump-sum disability benefit you would need to replace lost income, clear debts, and fund rehabilitation if disability prevents you from working.
Disability Cover Summary
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⚠️ Estimates only. Disability cover structures vary by insurer — lump-sum vs monthly benefit, own-occupation vs any-occupation. Consult an FSCA-registered financial adviser for a personal needs analysis.
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How This Calculator Works
The estimate models a lump-sum need using:
- Income replacement — 75% of annual income × years to retirement, as a lump-sum proxy for sustained income loss.
- Rehabilitation costs — your estimated physiotherapy, assistive devices, or home care costs.
- Debt clearance — outstanding debts to reduce ongoing financial obligations.
- Existing cover offset — deducts any disability cover you already hold.
Outputs are indicative estimates for planning purposes only and do not constitute financial advice.
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