Survive.

Use the calculator as a guide to help you see how long you could survive financially before you're on the breadline.

Calculator.

How quickly would your money run out, if anything happened to you or your partner, as a result of long term sickness or injury, critical illness or the death of the main breadwinner?

Use our calculator below to work out how many weeks breathing space you could have, in just a few easy steps.

Use the slider below to select how much you spend each month. Not sure?
Click here to do the sums.

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Main monthly household bills
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Use the slider below to select how much you spend each month. Not sure?
Click here to do the sums.

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Monthly luxuries
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Next
Click the Help button Help button for more information

State benefits Help button

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State benefits explained

State benefit

REASON CLAIMED

HOW MUCH PAID?

FOR HOW LONG?

Statutory Sick Pay (SSP)

Illness

£85.85 a week

Maximum of 28 weeks

Employment and
Support Allowance
For example, applies
when SSP finishes
after 28 weeks

Illness and Disability

For a single person the
maximum is £99.15
a week

This amount is the maximum
paid, after the first 13 weeks
'assessment phase' of
a claim and depends on
circumstances.

Disability Living
Allowance

Severe mental or
physical disability

Disability Living Allowance
has two parts called
'components'

Care component*
– maximum of £77.45
a week

Mobility component**
– maximum of £54.05
a week

Some people will be
entitled to get just one
component; others
may get both.

Depends on
circumstances

  • * a care component
    - if you need help looking
    after yourself or
    supervision to keep safe
  • ** a mobility component
    - if you can't walk or need
    help getting around

Widowed Parent's
Allowance*

Death

£105.95 a week
Must be under
State Pension Age

Stops if you remarry,
live with someone as
a couple or your children
stop qualifying for
Child Benefit.

Bereavement
Allowance*

Death

Maximum weekly rate
£105.95

Only applies if you
are aged 45 and over.
Payment is based on
your late husband or
wife's NI contributions.

You must be under the
state pension age and
not bringing up children.

Up to 52 weeks

Rates correct as of April 2012

* Please note for the purpose of the calculator we have assumed you will only be eligible for illness
related state benefits, or your loved ones will receive either widowed parents or bereavement allowance
after your death.

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InformationWe’ve pre-selected some benefits below but you can change them if you want to.

What are you eligible for?
What are you eligible for?
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State benefits - please select all that could apply.
Click the Help button Help button for more information
Statutory sick pay £85.85 a week for first 28 weeks
Employment and support allowance (single person)
up to £99.15 per week from week 29 onwards or
if self employed
Disability Living Allowance – care component
up to £77.45 a week
Disability Living Allowance – mobility component
up to £54.05 a week
Widowed parent's or Bereavement allowance
£105.95 a week

Other benefits or income Help button

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Other benefits
For example, this could be any existing insurance policies or work benefits you may have.
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If you have any other income or benefits click here to do the sums.

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Other benefits or income

Work sick pay or weekly benefit

per week
weeks

Fixed investment or other income e.g. child benefit

per week
weeks

Existing insurance such as Income Protection

per week
weeks
starting at
weeks
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Use the slider below to select the amount of savings you currently have.

Your financial picture

Your monthly maximum
amount needed is
You could be on
the breadline in
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How we work this out

Your monthly maximum amount needed is based on your total monthly expenses.

Your deadline in weeks is based on how long your savings would cover your monthly expenses, after allowing for any state benefits or other income/benefits you might receive over a year.

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This is a guide and should not
be considered financial advice.

How do I compare?

Click on where you live below, to see how your deadline compares. Please note our calculations assume you would receive a minimum of statutory sick pay.

Scotland
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Scotland
The average deadline here is 17 days.
Assumes average savings of £977,
weekly spend of £403.
North East
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North East
The average deadline here is 17 days.
Assumes average savings of £924,
weekly spend of £379.
North West
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North West
The average deadline here is 22 days.
Assumes average savings of £1,250,
weekly spend of £402.
Yorkshire and
The Humber
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Yorkshire and
The Humber
The average deadline here is 15 days.
Assumes average savings of £864,
weekly spend of £411.
East Midlands
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East Midlands
The average deadline here is 16 days.
Assumes average savings of £935,
weekly spend of £414.
West Midlands
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West Midlands
The average deadline here is 7 days.
Assumes average savings of £397,
weekly spend of £404.
East of England
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East of England
The average deadline here is 17 days.
Assumes average savings of £1,001,
weekly spend of £401.
Wales
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Wales
The average deadline here is 8 days.
Assumes average savings of £455,
weekly spend of £408.
London
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London
The average deadline here is 17 days.
Assumes average savings of £995,
weekly spend of £415.
South East
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South East
The average deadline here is 37 days.
Assumes average savings of £2,078,
weekly spend of £397.
South West
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South West
The average deadline here is 21 days.
Assumes average savings of £1,225,
weekly spend of £408.

What should
I do now?

Our life insurance cover starts from just £6 per month or the equivalent of 20 pence a day.

Get a quote

Or visit our 'Help me decide' area for more information on our range of solutions.

Call us now on
0800 316 4683

8am to 8pm week days
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Legal & General Assurance Society Limited. Registered in England No. 166055. Registered office: One Coleman Street, London, EC2R 5AA. We are authorised and regulated by the Financial Services Authority (FSA registration number: 117659). We are members of the Association of British Insurers.

Every Day Matters.

© Legal & General Group plc 2013

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