Calculate calendar days, modeled payable days, benefit months, and a gross benefit scenario from user-entered dates and policy assumptions.
Formula
const start = new Date(String(inputs.benefitStartDate || '') + 'T00:00:00Z'); const end = new Date(String(inputs.benefitEndDate || '') + 'T00:00:00Z'); const validDates = Number.isFinite(start.getTime()) && Number.isFinite(end.getTime()) && end >= start; const elapsedCalendarDays = validDates ? Math.floor((end.getTime() - start.getTime()) / 86400000) + 1 : 0; const eliminationDays = Math.max(0, Number(inputs.eliminationPeriodDays || 0)); const modeledPayableDays = Math.max(0, elapsedCalendarDays - eliminationDays); const rawBenefitMonths = modeledPayableDays / 30.4375; const modeledBenefitMonths = Math.round(rawBenefitMonths * 100) / 100; const monthlyBenefit = Math.max(0, Number(inputs.monthlyBenefitAmount || 0)); const payableShare = Math.min(1, Math.max(0, Number(inputs.assumedPayableShare || 0) / 100)); const grossBenefitScenario = Math.round((rawBenefitMonths * monthlyBenefit * payableShare) * 100) / 100; return { elapsedCalendarDays, modeledPayableDays, modeledBenefitMonths, grossBenefitScenario };Scenario Start Date
2026-01-01
Scenario End Date
2027-12-31
Elimination Period (days)
90
Monthly Benefit Amount ($)
5,000
Assumed Payable Share (%)
100
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With the default dates of January 1, 2026 through December 31, 2027, the inclusive timeline is 730 calendar days. Subtracting a 90-day elimination period leaves 640 modeled payable days, or 21.03 average calendar months. At $5,000 per month and a 100% assumed payable share, the gross benefit scenario is $105,133.47.
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The estimate combines Scenario Start Date, Scenario End Date, Elimination Period (days) and returns Elapsed Calendar Days, Modeled Payable Days, Modeled Benefit Months.
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