Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance. You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator. Related Content Managing the Risk of Outliving Your Money Steps to help you sustain and grow your retirement savings. Long-Term-Care Needs Determine your potential long-term care needs and how long your current assets might last. When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases.