殘疾保險計算機
估算殘疾保險需求和保費。
$
%
Group policies typically cost less per dollar of coverage
預估月保費
$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
收入保障
Frequently Asked Questions
為什麼需要殘疾保險？
約四分之一的勞動者在退休前會經歷90天以上的殘疾。
選擇哪種等待期？
90天最常見。
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.
教育性質估算。