About US Disability Calc
Radif Partners works out what a disability or long-term care policy actually leaves in your account: the benefit formula and monthly cap written in the contract, the Social Security offset, federal income tax according to who paid the premium, payroll tax in the first six months, and the 2026 IRS limits on deducting care premiums. Plan benchmarks come from the Bureau of Labor Statistics survey of March 2026. We are not an insurer or a broker, sell no policy and ask for no contact details.
Why it exists
Someone comparing a disability policy, choosing a payroll election at open enrollment or filing a first claim asks a plain question: how much will reach my account each month, and for how long. The pages that rank for it are written by insurers and brokers who want a quote request, or by law firms who want a case. They give a premium range with no source, a 60% rule with no maximum, and they rarely mention that the IRS taxes some benefits in full and others not at all.
Insurers quote a gross benefit and a premium, and stop there. What reaches your account depends on three things their quote leaves out: the monthly maximum written in the plan, the Social Security award the plan subtracts, and who paid the premium, which decides whether the IRS taxes every dollar of the benefit or none of it. This site computes all three from your own figures, with the 2026 federal tax rules and the plan provisions the Bureau of Labor Statistics measured in March 2026, and sells nothing.
Who publishes it
The site is published by Radif Partners, a company that builds calculators on public rules. It is an independent site, not an insurer or a broker. It sells no policy, takes no commission, has no partner to send you to, carries no affiliate link and asks for no contact details.
Radif Partners
49 rue du Ressort
63000 Clermont-Ferrand, France
contact@usdisabilitycalc.com
What it relies on
The 2026 federal tax figures of Revenue Procedures 2025-32 and 2025-19, IRS Publications 525, 15, 15-A, 502, 915 and 969, the sections of the Internal Revenue Code on accident and health plans and on long-term care contracts, the National Compensation Survey of the Bureau of Labor Statistics for March 2026 (37 groups of workers and the plan provisions of private industry and state and local government), and the FEGLI handbook of the Office of Personnel Management.
What it leaves out
Premium prices, which no public source publishes; medical questions of any kind; whether a claim will be approved; state income tax; the Social Security disability rules themselves. The method page lists every simplification and the editorial policy explains corrections.
Contact
contact@usdisabilitycalc.com, for a limit that changed or a rule we read wrong. We answer questions about a figure or a document, not about your own policy or claim, which only your insurer or plan administrator can decide.