When the income
stops arriving.
Four layers stand between an earner and a lost income — the government safety net, private insurance, long-term savings, and the gap that remains. Explore every concept, trace how the layers interact, and stress-test your own cover.
The atlas of protection
Ten concepts, four layers. Click any card to open the full 2026 figures in the side drawer; the arrows show which concepts feed, fund or offset one another.
How much income survives?
Set your assumptions, then watch the bars fill month by month. The hatched block is the protection gap — income that simply disappears.
The 36-month journey
A single incapacity event, played out over three years. Pick a scenario, then scrub the timeline to see exactly which source is paying — and when it stops.
Seven sources, one table
Every realistic way an income can be replaced during incapacity — compared on who funds it, who qualifies, how much it pays and how it is taxed.
| Source | Layer | Funded by | Eligibility | Typical payout | Duration | Tax |
|---|
Where do you stand?
Seven questions, about a minute. Answer honestly — the score is a starting point for a conversation with an adviser, not a verdict.