Income protection, made personal
Everyone has a gap. What’s yours?
Enter your annual eligible pay to see how Henry Ford Health’s employer-paid coverage and the voluntary IDI option may work together.
Your eligible pay
Total annual eligible pay$0
Only compensation considered eligible under the applicable plan or policy is included. Review your enrollment materials for details.
Your entries are calculated locally in your browser and are not shared with other users.
Your estimated monthly protection
Monthly eligible payThe 100% baseline for the estimates below
$0Group LTD
$0
60% · $15,000 maximum
Employer-paid IDI
$0
Additional benefit
Total employer paid
$0
Toward 70% · $20,000 combined maximum
Voluntary IDI
$0
Toward 75% · $10,000 additional maximum
Total with voluntary IDI
$0
0% of eligible pay
Percentage of eligible pay replaced
The monthly maximums may reduce the percentage replaced at higher income levels.
Gap with employer-paid coverage$0/mo.0% of eligible pay is not replaced.
Gap with voluntary IDI$0/mo.0% of eligible pay is not replaced.
Enter eligible pay to begin.
Monthly gap with voluntary IDI$0
Annual gap$0
36-month gap$0
Why show a 36-month gap?
Long-term disability claims can last for years. This illustration uses 36 months because it closely approximates the average claim duration published by the Council for Disability Income Awareness.