About
Most people discover their disability coverage gap after it's too late.
Protevano was built to fix that. We turn public SSA, BLS, and state disability program data into an answer to a question every working person should be able to answer: If I lost income to disability tomorrow, how much would I be short each month — and for how long?
1 in 4
workers will experience disability before retirement (SSA)
35%
of private-sector workers have employer LTD (BLS)
68%
average income gap between pre-disability income and SSDI
5+1
states + Puerto Rico with mandatory disability programs
Why this exists
The standard advice — “you have SSDI, your employer has LTD, you'll be fine” — papers over a coordination problem worth tens of thousands of dollars. Group LTD policies offset SSDI dollar-for-dollar. Workers' comp plus SSDI is capped at 80% of your pre-disability wage. State disability ends when SSDI begins. The 5-month SSDI waiting period exists whether or not you have any other income.
We model all of these interactions phase-by-phase: sick leave, STD, the elimination period, LTD start, SSDI start, the own-occ to any-occ transition. The output is a monthly dollar figure — your actual gap — at each phase, plus how long your emergency fund lasts.
Everything runs on public data. SSA publishes the PIA bend points and AWI tables. BLS publishes injury and illness incidence rates by industry and occupation. Each state publishes its disability program parameters. We don't need a paid data vendor and you don't need to give us your full earnings record to get a useful number.
How we approach this
Public data, transparent math
Every formula in Protevano comes from a public source — SSA bend points, BLS injury rates, state disability statutes. We document the formula on every output so you can audit how the number was produced.
No insurance solicitation
Protevano is not licensed to sell insurance and never will be. We have no commission relationship with any carrier. The recommended coverage amount is based on your computed gap, not what a carrier wants to sell you.
Coordination over isolation
Most disability calculators show one source in isolation. Real protection comes from how SSDI, employer LTD, state disability, and workers' comp interact — including the offsets that quietly reduce your benefit.
Honest about uncertainty
Your actual SSDI benefit can only be determined by SSA from your full earnings record. We give you a calibrated estimate and tell you exactly where to verify it (ssa.gov/myaccount).
Find your gap.
Free analysis in under two minutes. No account required.
Run the analyzerA Smart Technology Investments product. Not insurance advice.