For high-earner professionals
The higher your income, the less group LTD actually replaces
Group LTD benefits are usually capped in dollar terms, not just percentage terms. At high income levels, that cap can mean your real income replacement falls well below the 60% headline figure.
Runs in your browserSourced dataIndependent, not an agency
Effective replacement at high incomes
Often well under 60%
Group LTD dollar caps bite hardest at the top of the income range — run your specific numbers in the calculator.
Recommended benefit at $611,000 income
$33,096/mo
Illustrative example using our highest sourced specialty median (Orthopedic Surgery, Medscape 2026).
Carriers compared
5
Guardian, Principal, MassMutual, The Standard, Ameritas — see the full comparison.
Guides by specialty
See your specific numbers
Pre-filled based on what's typical for this situation — adjust anything before you rely on it.
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