Estimate your LTD benefits with each option

There are three Long-term Disability (LTD) options from which you may choose. This calculator will help you choose by providing an estimate of the LTD Benefit under LTD Options A, B and C, based on the salary you enter. Click the button to continue!

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The results shown in this calculator are illustrations and estimates of the approximate projected costs and LTD benefit amounts based on the information entered in this tool. The purpose of this tool is to provide an estimate of the LTD benefit; not to show you the exact amount. The actual LTD benefit you may receive under an LTD claim in the future may be different from that shown in this tool. For details on the offsets, reductions and subrogation/repayment obligations please refer to the LTD policy documents. All benefit programs are subject to any applicable taxes that may change from time to time. Nothing provided in this calculator shall be construed as creating an express or implied obligation on the part of IBM to provide or maintain such benefit amounts, plans, programs, practices or policies. IBM reserves the right to modify (include change, discontinue, suspend or improve) any of its plans, programs, policies or statements at its discretion and their decision on all matters relating to the operation, administration and interpretation of its plans, programs, policies or statements shall be final. IBM and their plan administrator retain exclusive authority and discretion to interpret the terms of the LTD plan and policy. This statement applies to all IBM employees (regular full-time, special/regular part-time, assignees, on leave), individuals receiving short or long-term benefits income, retirees and survivors.