{"id":32650,"date":"2026-05-07T09:15:21","date_gmt":"2026-05-07T13:15:21","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=32650"},"modified":"2026-05-07T09:15:23","modified_gmt":"2026-05-07T13:15:23","slug":"disability-income-gap-calculator","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-income-gap-calculator\/","title":{"rendered":"Disability Income Gap Calculator"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__disability toolsCalculators\" data-template=\"disability\">\n<div class=\"wp-block-group toolsCalculators__disability is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group toolsCalculators__col__left is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-blue blue\" style=\"--icon-url:url(undefined)\"><span>Complete in 1 minute<\/span><\/div><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-disability-income-gap-calculator\">Disability income gap calculator<\/h1>\n\n\n\n<p class=\"toolsCalculators__desc\">If you get sick or injured and can\u2019t work, it\u2019s likely that employer-provided benefits would only replace part of your salary\u2014and only for a few months.<\/p>\n\n\n\n<p class=\"toolsCalculators__desc\">See how this could change your income and affect your ability to cover everyday expenses.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group toolsCalculators__col__right toolsCalculators__steps is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"toolsCalculators__requiredMsg\">Indicates a required field.<\/p>\n\n\n\n<div class=\"wp-block-rbc-form-step-manager formStepManager formStepManager__primary\" data-form=\"userInfo\" data-sfconfigs=\"{&quot;campaignName&quot;:&quot;Web - DI Income Gap : Non Lead&quot;,&quot;lineOfBusiness&quot;:&quot;health&quot;,&quot;leadType&quot;:&quot;Disability Quote&quot;,&quot;leadDesc&quot;:&quot;DI Income gap : non lead&quot;,&quot;capturesLead&quot;:false}\">\n<div class=\"wp-block-rbc-form-step formStep  formStepv2\" data-stepname=\"Contact Details\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-let-s-get-your-contact-info\">Let\u2019s get your contact info<\/h2>\n\n\n\n<p class=\"quoteResultCard__quote__label\">We protect your personal information.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"firstName\" data-prefill-target=\"bac.bookacallfirstname, emq.emailmyquotefirstname\" data-query-param=\"firstName\" data-query-param-target=\"userInfo.firstName\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"firstName\" aria-label=\"First name\"><span class=\"inputLabel__text\">First name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"firstName\" class=\"input-textbox-input textbox-class\" name=\"firstName\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid first name<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"lastName\" data-prefill-target=\"bac.bookacalllastname, emq.emailmyquotelastname\" data-query-param=\"lastName\" data-query-param-target=\"userInfo.lastName\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"lastName\" aria-label=\"Last name\"><span class=\"inputLabel__text\">Last name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"lastName\" class=\"input-textbox-input textbox-class\" name=\"lastName\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid last name<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__email\" data-target=\"email\" data-prefill-target=\"bac.bookacallemail, emq.emailmyquoteemail\" data-query-param=\"email\" data-query-param-target=\"userInfo.email\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"email\" aria-label=\"Email address\"><span class=\"inputLabel__text\">Email<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox email left\"><div class=\"input-textbox-wrapper \"><input type=\"email\" placeholder=\"\" id=\"email\" class=\"input-textbox-input textbox-class\" name=\"email\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid email<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__phone\" data-target=\"phone\" data-prefill-target=\"bac.phone\" data-query-param=\"phone\" data-query-param-target=\"userInfo.phone\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"phone\" aria-label=\"Phone number\"><span class=\"inputLabel__text\">Phone number<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox tel left\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">+1<\/span><input type=\"tel\" autocomplete=\"tel-national\" pattern=\"[0-9-]*\" placeholder=\"\" id=\"phone\" class=\"input-textbox-input textbox-class\" name=\"phone\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid phone number<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"formStep__privacyNotice\">By submitting this form, you consent to use the details you provided here to contact you about your application. Your information is securely stored and protected. Check our <a href=\"https:\/\/www.rbc.com\/privacysecurity\/ca\/global-privacy-notice.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-32057-024ddf17\" data-dig-label=\"Global Privacy Notice\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Global Privacy Notice<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Next\">Next<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-form-step formStep formStep__last active  isEdited\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-tell-us-about-your-income\">Tell us about your income<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__annualIncome inputField__currencyFormat\" data-target=\"annualIncome\" data-prefill-target=\"bac.bookacallannualIncome, emq.emailmyquoteannualIncome\" data-query-param=\"annualIncome\" data-query-param-target=\"userInfo.annualIncome\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"annualIncome\" aria-label=\"Annual income\"><span class=\"inputLabel__text\">Annual income before tax<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable toolTip__nubbin__bottom toolTip__nubbin__left\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;Enter the total amount of money you earn in one year from all sources before taxes.<br&gt;If you\u2019re self-employed, enter your share of business income after expenses but before taxes.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox currency left format__currency\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">$<\/span><input type=\"text\" placeholder=\"\" id=\"annualIncome\" class=\"input-textbox-input textbox-class\" name=\"annualIncome\" value=\"\" style=\"width:100%;height:48px;min-height:48px\" data-min=\"1\" data-max=\"300000\"\/><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group inputField__hasExtraInfo is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Exact numbers give better recommendations, but an estimate is fine if you\u2019re not sure.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Please enter a value between $1 and $300,000. If your annual income is more than $300,000, please call <a href=\"tel:18662627924\" data-dig-id=\"LP-32650-e06f434d\" data-dig-label=\"1-866-262-7924\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-262-7924<\/a> for a quote<a href=\"tel:+18662627924\"><\/a><a href=\"tel:+18662627924\"><\/a><\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"emergencyFund\" data-query-param=\"emergencyFund\" data-query-param-target=\"userInfo.emergencyFund\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"\" aria-label=\"\"><span class=\"inputLabel__text\">Emergency fund<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable toolTip__nubbin__bottom toolTip__nubbin__left\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;Select the amount of savings you could use to cover expenses if you couldn\u2019t work.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<p class=\"toolsCalculators__descMsgSize14\">Choose the closest amount<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default inputRadioGroup__vertical\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__0\" class=\"buttonRadio__input\" type=\"radio\" value=\"0\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">None<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__4000\" class=\"buttonRadio__input\" type=\"radio\" value=\"4000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">$4,000<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__6000\" class=\"buttonRadio__input\" type=\"radio\" value=\"6000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">$6,000<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__8000\" class=\"buttonRadio__input\" type=\"radio\" value=\"8000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">$8,000<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__12000\" class=\"buttonRadio__input\" type=\"radio\" value=\"12000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">$12,000<\/span><\/label><\/div>\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Please choose one of the options<\/span><span class=\"inputField__error inputField__error__invalid\">Please choose one of the options<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  employerCoverageField\" data-target=\"employerCoverage\" data-query-param=\"employerCoverage\" data-query-param-target=\"userInfo.employerCoverage\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"\" aria-label=\"\"><span class=\"inputLabel__text\">Employer coverage (disability insurance)<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;Most employer-provided benefits replace about 60% of salary. If you have coverage but aren\u2019t sure how much, select 60%. You can always check your coverage and change your selection later.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default inputRadioGroup__vertical\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__0\" class=\"buttonRadio__input\" type=\"radio\" value=\"0\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">None<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__50\" class=\"buttonRadio__input\" type=\"radio\" value=\"50\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">50%<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__60\" class=\"buttonRadio__input\" type=\"radio\" value=\"60\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">60% (Most common)<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__75\" class=\"buttonRadio__input\" type=\"radio\" value=\"75\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">75%<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__I do not know\" class=\"buttonRadio__input\" type=\"radio\" value=\"I do not know\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">I don\u2019t know<\/span><\/label><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-announcement-bar announcementBar  is-style-announcementBarLEInfo announcementBarDoNotKnow announcementBarLEInfo\" id=\"289f263a-0608-4fc1-8996-7eedfa1140f9\"><div class=\"announcementBar__inner\" style=\"--icon-url:url(undefined)\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p>We\u2019ll use the most common amount (60%) for the calculation.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Please choose one of the options<\/span><span class=\"inputField__error inputField__error__invalid\">Please choose one of the options<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Back\">Back<\/button><\/div><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Calculate the gap\">Calculate the gap<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-quote-result quoteResult quoteResult__disability\"><div class=\"quoteResult__heading\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Back to edit\">Back to edit<\/button><\/div><h2>Your monthly income drops by $<span class=\"diResult__result__titleAmountSpan\">1212<\/span> if you\u2019re off work<\/h2><\/div>\n<div class=\"wp-block-group diResult__result__fullyCovered is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\">Good news! Looks like your income is fully covered.<\/h2>\n\n\n\n<p class=\"has-text-align-center diResult__result__fullyCoveredContent\">Remember, this result is only an estimate. We recommend talking to an advisor for personalized guidance.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__group__resultCard is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group diResultCard__container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-di-result-card diResultCard\"><div class=\"diResultCard__loadingSteps\"><span class=\"diResultCard__loadingStep active\"><span class=\"diResultCard__loadingText\">Analyzing your details<\/span><span class=\"diResultCard__loadingSpinner\"><\/span><\/span><span class=\"diResultCard__loadingStep\"><span class=\"diResultCard__loadingText\">Calculating DI<\/span><span class=\"diResultCard__loadingSpinner\"><\/span><\/span><\/div><div class=\"diResultCard__result\"><div class=\"diResultCard__di\"><div class=\"diResultCard__di__amounts\"><div class=\"diResultCard__di__amountMonthly\"><span class=\"diResultCard__trustIconSpan\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Trending-down.svg\" alt=\"\" class=\"diResultCard__trustIcon\" style=\"display:inline-block;max-width:100%;height:auto\"\/><\/span><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__amount\">00.00<\/span><span class=\"diResultCard__di__monthLabel\">\/month<\/span><\/div><div class=\"diResultCard__di__desc\"><span class=\"diResultCard__di__label\"><\/span><\/div><\/div><div class=\"diResultCard__di__regularPayDetails\"><div class=\"diResultCard__di__regularPayLabel\"><p class=\"diResultCard__di__regularPayLabelSpan\">Regular pay<\/p><span>after tax<\/span><\/div><div class=\"diResultCard__di__regularPayAmount\"><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__amount\">00.0<\/span><span class=\"diResultCard__di__regularPayMonthLabel\">\/month<\/span><\/div><\/div><div class=\"diResultCard__di__employerDetails\"><div class=\"diResultCard__di__employerLabel\"><p class=\"diResultCard__di__employerLabelSpan\">Employer coverage<\/p><span class=\"diResultCard__di__employerLabelDescSpan\">for 4 months<\/span><\/div><div class=\"diResultCard__di__employerCoverageAmount\"><div class=\"diResultCard__di__employerCoverageAmountSpan\"><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__amount\">00.0<\/span><span class=\"diResultCard__di__monthLabel\">\/month<\/span><\/div><div class=\"diResultCard__di__employerCoverageAmountDesc\"><\/div><\/div><\/div><\/div><div class=\"diResultCard__action\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary diResultCard__bookacall modalTrigger__bookacall btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-32650-0d7c9902\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a free consultation-# \">Book a free consultation<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"diResultCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-32650-3734b6fc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more about disability insurance\" class=\"rbc-link-format\">Learn more about disability insurance<\/a><\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__resultDescription is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"diResult__resultDescriptionTitle\">How was this calculated?<\/p>\n\n\n\n<p class=\"diResult__resultDescriptionContent\"><strong>Regular pay after tax<\/strong>: We took the annual gross income you entered, divided it by 12 months, and deducted the average income tax rate of 25%. (An average rate was used for educational purposes. Your actual tax rate may be higher or lower.)<br><strong>Employer coverage<\/strong>: We multiplied your annual gross income by the employer coverage rate you entered, divided it by 12 months, and deducted an estimated 25% for tax.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__group__resultChart is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group diResultChart__container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-di-result-chart diResultChart\"><div class=\"diResultChart__result\"><div class=\"diResultChart__result__container\"><div class=\"diResultChart__result__title\">6-month financial projection<\/div><div class=\"diResultChart__result__chartWrapper\"><div class=\"diResultChart__result__regularpay\"><span>Regular pay: $<\/span><span class=\"diResultChart__result__regularpay__amount\"><\/span><\/div><div class=\"diResultChart__result__barChart\"><\/div><div class=\"diResultChart__barChart__monthsLabels\"><div class=\"diResultChart__barChart__monthLabel\">Month 1<\/div><div class=\"diResultChart__barChart__monthLabel\">Month 2<\/div><div class=\"diResultChart__barChart__monthLabel\">Month 3<\/div><div class=\"diResultChart__barChart__monthLabel\">Month 4<\/div><div class=\"diResultChart__barChart__monthLabel\">Month 5<\/div><div class=\"diResultChart__barChart__monthLabel\">Month 6<\/div><\/div><\/div><div class=\"diResultChart__result__legend\"><div class=\"diResultChart__result__legendItem\"><div class=\"diResultChart__result__legendTitle\"><span class=\"diResultChart__result__legendColor diResultChart__result__legendColor--benefit\"><\/span><span>Benefits + emergency fund<\/span><\/div><div class=\"diResultChart__result__legendDesc\">Covered by your employer benefits and savings<\/div><\/div><div class=\"diResultChart__result__legendItem\"><div class=\"diResultChart__result__legendTitle\"><span class=\"diResultChart__result__legendColor diResultChart__result__legendColor--gap\"><\/span><span>Income gap<\/span><\/div><div class=\"diResultChart__result__legendDesc\">Could be covered with additional disability insurance<\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-support-card supportCardWrapper\">\n<div class=\"wp-block-group supportCard is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image size-large supportCard-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/03\/advisors-img_f91724.svg?quality=80&amp;w=1024\" alt=\"Life insurance advisors\" class=\"wp-image-34640\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading diResult__result__partialCoverage\" id=\"h-talk-to-an-advisor-to-learn-more\">Talk to an advisor to learn more<\/h3>\n\n\n\n<p class=\"doveGrayText diResult__result__partialCoverage\">They\u2019ll give you personalized advice about disability insurance, including monthly cost and term length.<\/p>\n\n\n\n<div class=\"wp-block-button supportCard-button modalTrigger__bookacall btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-32650-e4846510\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a free consultation-# \">Book a free consultation<\/a><\/div>\n\n\n\n<p class=\"has-text-align-center supportCard-link\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-32650-b4599b04\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more about disbility Insurance\" class=\"rbc-link-format\">Learn more about disability insurance<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center supportCard-phone\">You can also call us at <a href=\"tel:18662627924\" data-dig-id=\"LP-32650-a326f6a5\" data-dig-label=\"1-866-262-7924\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-262-7924<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center supportCard-phone supportCard-phone-hours\">(Monday to Friday, 9 a.m. \u2013 8 p.m. ET)<\/p>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide mob-mar-t-dbl mob-mar-b-dbl\"\/>\n\n\n\n<div class=\"wp-block-group diResult__result__partialCoverage is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading  mob-mar-t-dbl\" id=\"h-you-ve-seen-the-gap-let-s-make-sure-it-never-costs-you\">You\u2019ve seen the gap. Let\u2019s make sure it never costs you.<\/h2>\n\n\n\n<p><span class=\"partial__border-bottom\">RBC Disability Insurance protects the paycheque your family relies on by replacing your income when you can\u2019t work due to an injury or illness \u2014 so your bills get paid while you focus on recovery.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Wallet.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-easy-and-affordable\">Easy and affordable<\/h4>\n<\/div>\n\n\n\n<p>Premiums start as low as $10.50 per month for injury-only coverage. Apply online in as little as 15 minutes.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Mobile.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-no-medical-exam\">No medical exam<\/h4>\n<\/div>\n\n\n\n<p>Answer just a few basic questions to apply for both injury-only and injury &amp; sickness coverage. You can also receive injury-only coverage if you do not qualify for sickness coverage.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/Money-Coin.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-portable-protection\">Portable protection<\/h4>\n<\/div>\n\n\n\n<p>Unlike coverage you may have through your employer, you can keep your policy if you change jobs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns mob-mar-t-dbl mar-t-dbl mob-pad-t-dbl is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-disability-insurance\"><span class=\"partial__border-bottom\">Frequently asked questions about disability insurance<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-l-hlf mob-mar-t-dbl is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2a9c68b9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2a9c68b9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-2a9c68b9\" aria-controls=\"accordion2a9c68b9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Doesn\u2019t the Canadian government provide coverage for disability?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Doesn\u2019t the Canadian government provide coverage for disability?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2a9c68b9\" role=\"region\" aria-labelledby=\"accordion-title2a9c68b9\"><div class=\"collapse-inner\">\n<p>While the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) do include disability coverage, there are considerable limitations to the benefits provided by these plans:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>For 2026, the average monthly CPP disability benefit is $1,210.86 and the maximum monthly amount is $1,741.20. This amount is considerably less than what you could receive through one of our disability insurance plans. For example, through The Professional Series policy, some individuals can qualify for as much as $25,000 per month, depending on their occupation, pre-disability income and other factors.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>To qualify for the CPP disability benefit, you must sustain a severe and prolonged mental or physical disability and be unable to work at any occupation. With a disability insurance plan from RBC Insurance, you may be able to receive benefits under a less stringent definition of disability.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Learn more at: <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp-disability-benefit\/benefit-amount.html\" target=\"_blank\" data-dig-id=\"LP-32650-bd402bff\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp-disability-benefit\/benefit-amount.html\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp-disability-benefit\/benefit-amount.html<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleb597cca1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb597cca1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-b597cca1\" aria-controls=\"accordionb597cca1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have a disability policy at work. Why do I need another policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have a disability policy at work. Why do I need another policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb597cca1\" role=\"region\" aria-labelledby=\"accordion-titleb597cca1\"><div class=\"collapse-inner\">\n<p>This answer depends on your employer-sponsored disability plan, so examine it carefully and know what it covers. Typically, an employer-sponsored plan will end when your employment ends. One of the advantages of a disability insurance policy from RBC Insurance is that you can take it with you if you leave your job.<\/p>\n\n\n\n<p>Here are some things to look at for your employer-sponsored plan:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>How much of your income will your employer-sponsored disability plan replace? Will you be caught short?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Are you covered for illness as well as injury?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Are you only covered for accidents on the job, or are you protected 24\/7?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Does your plan provide valuable return to work services?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How does your plan define a disability?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Once you know the answers to these questions, you may find that you need additional coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title433a23c7\" class=\"collapse-toggle collapsed\" data-target=\"#accordion433a23c7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-433a23c7\" aria-controls=\"accordion433a23c7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much disability insurance should I have?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much disability insurance should I have?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion433a23c7\" role=\"region\" aria-labelledby=\"accordion-title433a23c7\"><div class=\"collapse-inner\">\n<p>Your disability benefits should allow you and your family to continue to live comfortably, as though you were still able to work full-time. First, total up your monthly \u201cfixed living expenses\u201d such as food, housing, transportation, utilities and other miscellaneous expenses. Subtract from that amount any income you\u2019ll receive from other sources during a disability\u2014for example, from investments you may have, property you rent out and other disability insurance coverage. The amount by which your expenses exceed income during disability is the amount you need. Bear in mind, though, that any disability insurance plan will only replace a portion of your income.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6c191fb0\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6c191fb0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-6c191fb0\" aria-controls=\"accordion6c191fb0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who can apply for disability coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who can apply for disability coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6c191fb0\" role=\"region\" aria-labelledby=\"accordion-title6c191fb0\"><div class=\"collapse-inner\">\n<p>You may apply for disability insurance if you:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Meet the age requirements of the policy:<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Age 18-60 for The Professional Series, The Foundation Series The Bridge Series and Quantum policies<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Age 18-64 for The Fundamental Series policy (illness coverage) and age 18-69 (injury coverage)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Age 18-55 for RBC Simplified Disability Insurance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Age 18-55 for the Retirement Protector policy<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Are a Canadian citizen or permanent resident\/landed immigrant<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title74ebef57\" class=\"collapse-toggle collapsed\" data-target=\"#accordion74ebef57\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-74ebef57\" aria-controls=\"accordion74ebef57\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the elimination period for disability?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the elimination period for disability?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion74ebef57\" role=\"region\" aria-labelledby=\"accordion-title74ebef57\"><div class=\"collapse-inner\">\n<p>The elimination period is the number of days between the onset of a disability and the day you begin receiving benefits. Most of our plans offer you a choice of elimination periods ranging from 30 days to 730 days. RBC Simplified\u00ae Disability Insurance has a 60-day or 90-day elimination period to choose from.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6ce4d7ae\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6ce4d7ae\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-32650-6ce4d7ae\" aria-controls=\"accordion6ce4d7ae\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I cancel my disability coverage at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I cancel my disability coverage at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6ce4d7ae\" role=\"region\" aria-labelledby=\"accordion-title6ce4d7ae\"><div class=\"collapse-inner\">\n<p>Yes, you can cancel your coverage at any time by contacting us.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"toolsCalculators__descMsg\">This calculator provides estimates for educational purposes only.<\/p>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer mar-b mob-mar-b\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-32650-947d88fa\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View legal disclaimers<\/span><span>Hide legal disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Estimates are for illustration only. We assume 75% of gross salary as take-home pay, and employer benefit coverage for 4 months taxed at 25%. Actual coverage, taxes, and expenses may differ.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-rbc-modal-popup\"><button class=\"rbci-modal-popup__trigger modalTrigger__bookacall\" type=\"button\">Open Modal<\/button><div class=\"rbci-modal-popup__overlay modalTrigger__bookacall hide\"><div class=\"rbci-modal-popup__content\"><button class=\"rbci-modal-popup__close\" type=\"button\">\u00d7<\/button>\n<div class=\"wp-block-rbc-form-step-manager formStepManager\" data-form=\"bac\" data-sfconfigs=\"{&quot;campaignName&quot;:&quot;Web - Disability Quote: Book a Call Lead&quot;,&quot;lineOfBusiness&quot;:&quot;health&quot;,&quot;leadType&quot;:&quot;Disability Quote&quot;,&quot;leadDesc&quot;:&quot;Disability Quote - Book a Call Lead&quot;,&quot;capturesLead&quot;:true}\">\n<div class=\"wp-block-rbc-form-step formStep formStep__last  active isEdited bookaCall\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-large is-resized bookaCallImage\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/advisors-img.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-30173\" style=\"width:576px;height:auto\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center bookaCallTitle\">Book a call with an advisor<\/h3>\n\n\n\n<p class=\"has-text-align-center bookaCallDescription\">Review your quote with our licensed RBC advisors to get expert advice on the most suitable coverage based on your needs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"booktime\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"booktime\" aria-label=\"Best time to call\"><span class=\"inputLabel__text\">Best time to call<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default bookaCallSelect selectDropdown__floating selectDropdown__custom\" id=\"booktime\"\t\t\tdata-option_name=\"booktime\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select\">\n\t\t\t\t\tSelect\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"Around 9am - 12pm\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAround 9 a.m. &#8211; 12 p.m.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"Around 12pm - 4pm\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAround 12 p.m &#8211; 4 p.m.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"Around 4pm - 8pm\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAround 4 p.m. &#8211; 8 p.m.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"No preference\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNo preference\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"booktime\" value=\"\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Please choose one of the options<\/span><span class=\"inputField__error inputField__error__invalid\">Please choose one of the options<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__postalcode\" data-target=\"postalcode\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallpostalcode\" aria-label=\"Postal code\"><span class=\"inputLabel__text\">Postal code<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallpostalcode\" class=\"input-textbox-input textbox-class\" name=\"postalcode\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid postal code<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacallfirstname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallfirstname\" aria-label=\"First name\"><span class=\"inputLabel__text\">First name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallfirstname\" class=\"input-textbox-input textbox-class\" name=\"bookacallfirstname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid first name<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacalllastname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacalllastname\" aria-label=\"Last name\"><span class=\"inputLabel__text\">Last name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacalllastname\" class=\"input-textbox-input textbox-class\" name=\"bookacalllastname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid last name<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__phone\" data-target=\"phone\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallphonenumber\" aria-label=\"Phone number\"><span class=\"inputLabel__text\">Phone number<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox tel left\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">+1<\/span><input type=\"tel\" autocomplete=\"tel-national\" pattern=\"[0-9-]*\" placeholder=\"\" id=\"bookacallphonenumber\" class=\"input-textbox-input textbox-class\" name=\"phone\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid phone number<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField  inputField__email\" data-target=\"bookacallemail\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallemail\" aria-label=\"Email address\"><span class=\"inputLabel__text\">Email address<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox email left\"><div class=\"input-textbox-wrapper \"><input type=\"email\" placeholder=\"\" id=\"bookacallemail\" class=\"input-textbox-input textbox-class\" name=\"bookacallemail\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Book a call\">Book a call<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-form-step formStep  bookaCallSuccess\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-large bookaCallSuccessImg\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/checkmark-icon.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-30175\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center bookaCallName\">Your call has been scheduled, <span class=\"placeholder__dynamic\">{bac.bookacallfirstname}<\/span>!<\/h3>\n\n\n\n<p class=\"has-text-align-center bookaCallPhone\">A licensed RBC advisor will call you at <span class=\"placeholder__dynamic\">{bac.phone}<\/span> within 2 business days.<\/p>\n\n\n\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  bookaCallTimeSchedule is-style-blue blue\" style=\"--icon-url:url(undefined)\"><span><span class=\"placeholder__dynamic\">{bac.booktime}<\/span><\/span><\/div><\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Back\">Back<\/button><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":203,"featured_media":0,"parent":15214,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/tools-calculators.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-32650","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Disability Income Gap Calculator | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Sick or injured, your work benefits likely won&#039;t cover your full salary. 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