This worksheet will help you decide whether you need disability income protection. Simply fill in the following blanks, using your best guess for estimating monthly needs and income during a period of disability. If after completing the worksheet you arrive at a positive number, you will more than likely need coverage.

Monthly Expenses
Food
$
Mortgage/Rent
$
Clothing
$
Utilities
$
Medical
$
Insurance
$
Transportation
$
Child/Home Care
$
Education Loan Payments
$
Entertainment/Gifts
$
Charge Accounts/Credit Cards
$
(A) Monthly Cash Needs
$
 
Monthly Income
Spouse Income
$
Investment Income
$
Disability Benefits
$
Other Income
$
(B) Total Monthly Income
$
 
Net Monthly Value
Total Monthly Cash Needs (A)
minus Total Monthly Income (B)
$
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