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An original Sinicropi planning framework. This scenario design is inspired by published absenteeism and presenteeism concepts in the Work Productivity and Activity Impairment (WPAI) and WHO Health and Work Performance Questionnaire (HPQ) literature. Those instruments have published validation evidence in specific settings. These original financial scenarios are not those questionnaires, do not generate their scores and have not been clinically or actuarially validated. No questionnaire wording is reproduced.

Time basis. Use one episode within a 12-month period. Equivalent workdays lost = fully absent days + reduced-capacity days × (1 − remaining capacity / 100). Absent and reduced-capacity days are distinct and together cannot exceed annual scheduled workdays. The default of 240 annual workdays and all menu options are scenario choices, not population benchmarks or scientifically validated presets. Each menu amount is an exact assumption, not a range; compare nearby choices if your situation falls between them.

Personal income. Income exposure before offsets = annual work-dependent earned income ÷ annual workdays × equivalent workdays lost. Income exposure after offsets = the greater of zero or exposure before offsets minus income preserved/replaced for that loss. Exposure + added expenses = exposure after offsets + additional net expenses. Offsets are capped at income exposure; any excess is not applied to expenses. Continued salary, benefit waiting periods, caps, eligibility, taxes and duration can materially change actual receipts. Confirm these separately; this is not an insurance-benefit calculation.

Business and family office. Uncovered equivalent days = equivalent workdays lost × (1 − restored-output percentage / 100). Capacity-value exposure = attributable annual economic value ÷ annual workdays × uncovered equivalent days. Annual value may use compensation as a capacity proxy or an internally estimated attributable value-added basis. For a profit-oriented estimate, use contribution value after variable costs, not gross revenue. Compensation is not revenue; neither basis establishes causality. Continuity cash spending is reported separately to avoid an unsupported total or double counting. If a defensible monetary value is unavailable, choose “Skip monetary estimate” and review uncovered days instead.

Limits. Linear time-to-value conversion is an explicit simplifying assumption. Work made up later, dependencies, timing, salaried pay and decision bottlenecks may produce different real-world effects. No estimates of disability probability, future health, enterprise valuation, investment returns or program ROI are produced. No claim is made that advisory services will prevent the scenario or reduce its cost. Dollar amounts are USD, rounded for display only.

Published foundations: Reilly et al. (1993), WPAI validation; Zhang et al. (2010), WPAI-GH measurement and scoring; Kessler et al. (2003), WHO-HPQ; CDC (2016), time-based absenteeism costing. Research supports the measurement concepts, not the predictive accuracy of this calculator.