विकलांगता बीमा कैलकुलेटर
विकलांगता बीमा आवश्यकताओं का अनुमान लगाएं।
$
%
Group policies typically cost less per dollar of coverage
अनुमानित मासिक प्रीमियम
$80
per month
Monthly Benefit
$4,000
Est. Annual Premium
$960
Replacement Rate
60%
Total Benefits Over Period
$480,000
Recommended Monthly Benefit
$4,000
आय कवरेज
Frequently Asked Questions
विकलांगता बीमा क्यों?
4 में से 1 कर्मचारी सेवानिवृत्ति से पहले 90+ दिन की विकलांगता अनुभव करेगा।
कौन सी प्रतीक्षा अवधि?
90 दिन सबसे आम है।
Is employer-provided disability insurance enough?
Employer group disability usually only covers 50-60% of base salary (not bonuses), often capped, and benefits may be taxable if the employer pays premiums. Group policies may also have stricter definitions of disability. Consider supplementing with an individual policy to fill the gap, especially if you have a high income or specialized occupation.
ये शैक्षणिक अनुमान हैं।