There are certain insurance plans that are designed with the aim to help those who are suffering from a physical disability and are either unable to earn or are earning minimal due to this condition. The wages that one loses due to disability is compensated for with disability income. There are different slabs for different degrees of disability. When you want to calculate how much disability income you need, you must first find out which one of these categories you come under and then enter other information accordingly. There also has to be proof to accompany a claim for disability compensation like medical records and so on.