Short-Term Disability Calculator
STD insurance benefit.
Calculate short-term disability total benefit from weekly salary, benefit %, and benefit period. Enter max benefit weeks and see the result instantly.
What this tool does
This tool calculates total short-term disability benefit and income replacement %.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Short-term disability (STD) insurance pays a portion of salary (typically 60%) for 13-26 weeks if you can't work due to illness or injury. Available via employer benefits or private purchase. Much cheaper than long-term disability but covers shorter period - bridges to long-term cover or recovery.
1,000 weekly salary × 60% benefit × 25 weeks (26 max - 1 waiting) = 15,000 total benefit. Income replacement at 60% leaves 40% gap to cover from savings or partner income. Most employer-sponsored STD costs 20-60/month. Private STD: 50-150/month for similar coverage.
STD vs LTD: STD covers weeks (1-26 typically), LTD covers years (until age 65 commonly). Most need both. STD bridges the gap before LTD kicks in (LTD has waiting period 90-180 days). Without STD, that gap must be filled from emergency savings - often 3-6 months of expenses.
Quick example
With weekly salary of 1,000 and benefit of 60% (plus max benefit weeks of 26 and waiting period of 1), the result is 15,000.00. Change any figure and watch the output shift — it's often more useful to see the pattern than to memorise the formula.
Which inputs matter most
You enter Weekly Salary, Benefit %, Max Benefit Weeks, and Waiting Period (weeks). Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
What's happening under the hood
Weekly benefit = salary × benefit %. Total benefit = weekly × (max weeks - waiting period). The formula is listed in full below. If the number looks off, you can retrace the calculation by hand — that's the point of showing the working.
What the score tells you
Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.
What this doesn't capture
The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.
£1,000 £ × 60% × (26 - 1) = $15,000.00.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Weekly benefit = salary × benefit %. Total benefit = weekly × (max weeks - waiting period).
References
Frequently Asked Questions
STD vs sick pay?
Why 60% benefit?
Pre-existing conditions?
STD vs LTD priority?
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