Income Protection

If your paycheck stopped, what would replace it?

Takes about 30 seconds.

Who are you checking for?

This calculator is for educational and illustrative purposes only. Results are based on information entered by the user and are not an insurance quote, coverage determination, guarantee of benefits, financial advice, or determination of eligibility for any insurance or government program. Actual benefits, eligibility, exclusions, limitations, and tax treatment may vary.

About this calculator

What does this calculator do?: It compares your normal monthly income with the monthly resources you believe would continue if an illness or injury kept you from working. The difference is your potential income protection gap.
Who is it for?: Washington employees who want to see their own exposure, and employers or labor representatives who want to look at a representative employee scenario.
What problem does it address?: Many people don't know what would replace their paycheck if they couldn't work. Bills usually continue even when income stops.
What do the results mean?: The gap is an illustration based only on the numbers you enter. It shows how much monthly income may not be covered — a starting point for a conversation, not a recommendation.
What are the limits?: Results are not an insurance quote, coverage determination or eligibility decision for any insurance or government program, including Washington Paid Family & Medical Leave. Actual benefits vary by plan and individual.