Disability Insurance Calculator

Select your sexSelect your sex

Enter your age (from 15 to 64)

Waiting period

Occupational category ¹

Benefit period

Enter the amount of cover you require (in dollars)Required cover ($)

Amount of cover

Payment frequency	Premium

The amount you pay includes the premium charged by the insurance company and an insurance administration fee paid to Smartshares for administering your insurance

¹The disability income insurance premium payable depends on your job category. These are:

Group A: office workers - some examples include accountant, architect, accounts clerk, buyer, clerical worker, computer programmer or operator, receptionist.
Group B: "travellers" and technicians - examples in this group include auctioneer, lab assistant, computer technician, typist, shop assistant.
Group C: light manual, trades, retail - examples include builder, supply merchant, carpenter, electrician, livestock buyer, timber merchant, wool buyer/classer.
Group D: heavy manual, hazards - for example, boiler-maker, floor surfacer, security guard, stonemason, welder.

If your own job is not shown above, the insurer decides which group it fits into.