Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance. You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator. Related Content 18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose? Avoiding Cognitive Decline Try these activities to keep your brain sharp. Social Security Benefits: How Much Will I Receive Calculating your potential Social Security benefit is a three-step process.