Калькулятор страхования нетрудоспособности
Оцените потребность в страховании и премии.
$
%
Group policies typically cost less per dollar of coverage
Оценка месячной премии
$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
Покрытие дохода
Frequently Asked Questions
Зачем нужно страхование нетрудоспособности?
Каждый 4-й работник испытает нетрудоспособность 90+ дней до пенсии.
Какой период ожидания?
90 дней — самый распространенный.
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.
Образовательные оценки.