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What happens to your bills if you get sick or hurt and can't work?

See how short you'd be each month and how long your savings would last.

Cole Caughern in a black cowboy hat and a blue blazerFrom Cole Caughern

House, food, lights, insurance, truck, loans.

Put 0 if you don't have any. Not sure? Many work plans pay about 60 percent of your pay before taxes (Council for Disability Awareness).

Many plans wait about 3 months, or 90 days, before they pay (Council for Disability Awareness).

months

The truck is covered. Is the paycheck that pays for it?

Answer the questions and your number lights up here.

What this leaves out

  • Social Security disability.
  • Workers' comp.
  • Your spouse's pay.
  • Bills that change.
How we got this number

We take your monthly bills and subtract the disability pay you'd get from work. During the waiting period your savings pay the whole bill. After that, they pay the difference. Pay from a plan your employer pays for is usually taxed, so enter it after taxes. A tax pro can tell you for sure. Sources: Council for Disability Awareness, accessed 2026.