Disability income need API

Compute disability-insurance need as the monthly income-replacement gap (target replacement ratio × income, net of existing benefits) and the total gap over a benefit period. Deterministic income-protection math. Answers 'how much disability insurance do I need', 'monthly benefit gap', 'income replacement for disability', 'disability coverage estimate'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-disability-need

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancedisabilityincomereplacementactuarialneedprotection

API URLhttps://x402.hexl.dev/v1/calc/ins-disability-need

Integration docs

Example request

{
  "monthlyIncome": 7000,
  "existingMonthlyBenefit": 1000,
  "benefitMonths": 24
}

Example response

{
  "method": "Disability income-replacement gap",
  "targetMonthlyBenefit": 4200,
  "existingMonthlyBenefit": 1000,
  "monthlyBenefitGap": 3200,
  "monthlyExpenseGap": 3200,
  "totalGapOverPeriod": 76800,
  "benefitMonths": 24
}

Input schema

{
  "type": "object",
  "required": [
    "monthlyIncome"
  ],
  "properties": {
    "monthlyIncome": {
      "type": "number",
      "examples": [
        7000
      ],
      "description": "gross monthly income (USD)"
    },
    "replacementRatio": {
      "type": "number",
      "examples": [
        0.6
      ],
      "description": "target, default 0.6"
    },
    "existingMonthlyBenefit": {
      "type": "number",
      "examples": [
        1000
      ]
    },
    "monthlyExpenses": {
      "type": "number",
      "examples": [
        4200
      ]
    },
    "benefitMonths": {
      "type": "number",
      "examples": [
        24
      ],
      "description": "default 24"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}