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આવક સંરક્ષણ કૅલ્ક્યુલેટર

Income Protection Insurance Estimator

વાર્ષિક આવક
Deferral Period (weeks)
ઉંમર

What is Income Protection Calculator?

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જો તમે બીમારી અથવા ઈજાને કારણે કામ ન કરી શકો તો આવક સુરક્ષા માસિક આવક (પગારના 50-70%) ચૂકવે છે. એક સામટી રકમ (ગંભીર બીમારી કવર)થી વિપરીત, તમે કામ પર પાછા ફરો અથવા નિવૃત્ત ન થાઓ ત્યાં સુધી તે નિયમિતપણે ચૂકવણી કરે છે.

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સૂત્ર

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f(x)Monthly benefit = Monthly income × Replacement percentage (50–70%); Premium ≈ 1–3% of monthly income (varies by age, health, occupation)

Variable Legend

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પ્રતીકનામએકમવર્ણન
MonthlyIncomeCurrent monthly gross incomeCurrency—
ReplacementPercentIncome replacement %Percentage (50–70%)—
BenefitMonthMonthly benefit if disabledCurrency—

How to Income Protection Calculator

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  1. 1Benefit = 50–70% of gross income per month
  2. 2Deferral (waiting) period before payments begin: 4–52 weeks
  3. 3Longer deferral = lower premium
  4. 4Own-occupation definition: cannot do your specific job

Worked Examples

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Example 1
Given:£55k salary, 60% cover, 13-week deferral
પરિણામ:Monthly benefit = £2,750; premium ~£60–100/month

Real-World Applications

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🏗️

Household income protection planning

🔬

Mortgage payment safeguard

📊

Career risk mitigation

🏥

Supplemental insurance calculation

Deferral Period Guide

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DeferralPremium impactMatch to
4 weeksHighestNo employer sick pay
13 weeksModerate3 months sick pay
26 weeksLower6 months sick pay
52 weeksLowest12 months sick pay

Frequently Asked Questions

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Q

Do I need income protection insurance?

A

If dependent on paycheck, yes. Disability risk: ~1 in 4 chance 90+ day disability before retirement age. Employer policy covers ~60%; private fills gap. Critical if sole income source.

Q

What's the difference between short-term and long-term disability?

A

Short-term: days/weeks to 3 months (employer often provides). Long-term: extends to age 65 (private insurance). Both important. LTD costlier but critical for > 3 month absence.

Q

What counts as disability?

A

Definition matters: "unable to do own job" vs "unable to do any job." Own occupation better (can retrain, work elsewhere). Check elimination period (days before benefits start): 30 vs 90 days affect premium.

Regional Guides

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US▾
Employer group LTD common; replaces 50–60% income. Own-occupation policies better but private. Cost: 1–3% of salary (varies by age, health).
UK▾
Employer sick pay: 3–10 days typically. Income protection insurance fills gap. Cost: 0.5–2% of salary. Definitions strict; occupation-based underwriting important.
માત્ર માહિતીના હેતુ માટે. આ ટૂલ નાણાકીય સલાહ નથી. રોકાણ અથવા નાણાકીય નિર્ણયો લેતા પહેલા લાયક નાણાકીય સલાહકારની સલાહ લો.
Deep Dive

Read the full guide on how to use this calculator effectively

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Reviewed October 2026
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