How to plan for disability-related income interruption

Start with a cash-flow timeline

Enter take-home income, essential monthly spending and the scenario length first. Then add paid leave or employer benefits, disability-income benefits and other support only when you have confirmed them. Waiting periods and durations determine the months in which each resource appears.

Three work arrangements

Employees, self-employed persons and platform workers use the same deterministic ledger. The work arrangement changes contextual prompts only; the tool does not automatically assume sick leave, CPF contributions, employer benefits or government support amounts.

Waiting periods and benefit duration

MoneySense explains that disability-income cover commonly pays a fixed monthly amount after a deferred period, with definitions and conditions depending on the policy. The calculator uses only the amount, waiting period and duration you enter and confirm; it applies no product default.

Reserves and sensitivity

Liquid reserves are excluded by default. Once explicitly selected, the ledger draws them down month by month and shows the first exhaustion month. Optional sensitivity changes the income-interruption percentage without changing confirmed benefits or reserves.

Tool boundary

• Does not infer disability, eligibility, underwriting, claim approval or an amount payable
• Collects no diagnosis, medical record, ADL, occupation-underwriting or claim document data
• Does not recommend a policy, insurer, coverage amount or transaction

Confirm actual entitlements and conditions directly with your employer, insurer, CPF Board, MOM or the relevant provider.