This question has to do with short and long-term disability insurance needs. What is the formula to calculate how much short and long-term insurance someone needs? Let's assume the client earns $100,000 gross annual income. The elimination period for a short-term policy is 0, and the elimination period for a long-term policy is 90 days. The short-term policy benefit period is 3 months, and the long-term policy benefit period is 276 months. The client's savings will continue during the disability period.

Please let me know if you need any further data to calculate the short and long-term disability insurance needs. Thank you.