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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Some Thoughts About The Results Of Your Calculations


Monthly Cash Flow Projections on Disability

Look at your monthly cash flow chart. This is an estimate of what your monthly income and expenses will be during various periods of your disability. The numbers are adjusted for the inflation rate you selected.

Note that this chart only provides for disability lasting up to five years. If you would like to plan for disability lasting more than five years, use our Retirement Planning calculator, but take into account the income and expense items discussed here when estimating your needed "retirement" income. You can also use our Spending Down Your Savings Calculator to see how long your nest egg will last based on the amount you use to supplement your other income.

Savings Needed to Supplement Income

Based on your cash-flow projections, this chart calculates how much you would need to have saved to supplement your income if you are disabled for different lengths of time.

Don't despair if your cash flow shows a large shortfall for the time you are on disability. Our site provides ideas to help you make up for that shortfall. See:

  • My Budget: By analyzing and changing your spending habits now, it will be easier to minimize your expenses if you go on disability. Doing a budget can also help you save more and manage your debt.
  • My Net Worth: Complete your net worth statement to identify resources that you may be able to tap into if you become disabled. If you don't expect to go on disability for a few years, use a Savings Growth Calculator offsite link to see how much your assets will be worth at the time you think it possible that you will be disabled.
  • New Uses of Assets: See this article to learn how you might be able to access money from your home, retirement plan, life insurance policy, financial assets, personal property, or credit.

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