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Robert, The Insurance Beast mascot

What-If Simulator

Walk a scenario step by step — disability, death, home loss, or emergency abroad. Educational timelines, not predictions.

Free · No signup · Verified July 2026

Robert, The Insurance Beast mascot
Robert — thinking
Robert says: peak gap is about $1,000/mo around month 7. Expand “Show the math” to see each layer.
Headline exposure

$1,000

Disability at working age (36-month stack)

Modeled coverage in scenario

$131,121

Exposed $33,300

Robert noticed…

  • Your group LTD looks employer-paid (or shared) — benefits are generally taxable. Many people budget with gross figures and overestimate take-home by 20–30%.
  • Most group LTD plans reduce benefits dollar-for-dollar by CPP Disability. We model that offset so you don't double-count.
  • Own-occupation definition switches around month 24. After that, many plans require you to be unable to work in any occupation — a common claim denial point.
  • EI and group STD often coordinate (top-up or offset). We show the higher of the two in each month so income isn't double-counted — check your plan booklet.

  1. Month 1

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  2. Month 2

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  3. Month 4

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  4. Month 6

    —

    Ongoing disability income

    Stacked benefits cover essentials this month (~$5,711).

  5. Month 12

    -$1,000

    Ongoing disability income

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

  6. Month 24

    -$1,000

    Approaching any-occupation review

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

  7. Month 36

    -$1,000

    Ongoing disability income

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

Open Disability Gap calculatorLog LTD details in your organizer

Educational estimates only — not insurance, tax, or legal advice. No products sold. Figures use verified government constants where cited and your inputs/assumptions elsewhere. Confirm against your policy wording and a licensed advisor or broker. Robert is a mascot, not a licensed insurance advisor.

Frequently asked questions

Is this a prediction of what will happen?
No. Scenarios are educational walkthroughs using simplified assumptions and the same math engines as our other tools. Your claim experience will differ.
Should I use my Policy Organizer instead?
Yes for a full inventory. The What-If tool uses quick household inputs; mirror key limits from your Beast Policy Organizer for a closer picture.
Why are some dollar amounts illustrative?
Rebuild costs, typical contents, and US hospital day rates are marked as assumptions or educational constants — replace them with your policy limits and quotes.
Is this insurance advice?
No. Education only. No product recommendations. Consult a licensed advisor for personal decisions.

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