官方参考资料
新加坡伤残收入与应急续航规划
供 Interest.sg 伤残收入缺口与应急续航计算器使用的版本控制参考资料。它说明给付时间、工作安排背景与确定性逐月账本处理，不评估伤残、资格、理赔或保单适合性。
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伤残收入给付背景
| 规划项目 | 官方背景 | 计算器处理方式 |
|---|---|---|
| Monthly disability-income benefit | MoneySense describes a fixed monthly benefit that may not fully replace prior income and may be subject to a policy limit | Never estimated; counted only when the user confirms the entered amount and timing |
| Deferred or waiting period | MoneySense notes that benefits usually begin only after the policy's deferred period and subject to its disability definition | Uses only the user-entered number of months; never determines disability, eligibility or approval |
计算器只模拟现金流情景，不判断是否符合保单定义或理赔会否获批。
雇员、自雇及平台工作背景
| 工作安排 | 官方背景 | 计算器处理方式 |
|---|---|---|
| Employee | MOM paid-sick-leave entitlement depends on Employment Act coverage, service and other conditions; an employer may provide additional benefits | No entitlement is inferred; the user enters and confirms any paid leave or employer benefit |
| Self-employed person | CPF Board gives a general rule of thumb of around six months of expenses for a liquid emergency fund | No reserve target is imposed; only the liquid amount explicitly selected by the user is used |
| Platform worker | CPF contribution treatment depends on cohort and opt-in status, and platform earnings may come from more than one operator | No CPF or platform support is inferred; the user enters any confirmed income or support |
确定性逐月账本方法
| 步骤 | 处理方式 |
|---|---|
| 1. Residual earned income | User-entered take-home income less the user-entered interruption percentage |
| 2. Confirmed replacement resources | Residual income plus only confirmed paid leave, disability benefit and other income |
| 3. Reserve use | Applies no more than the explicitly selected liquid reserve to that month's gap |
| 4. Uncovered shortfall | Essential spending less confirmed resources and reserve used, floored at S$0 |
Interest.sg 工具范围
| 包括 | 不包括 |
|---|---|
| User-entered income, essential spending, confirmed replacement resources, selected reserves and bounded sensitivity | Diagnosis, health status, medical or claim documents, ADL assessment, occupation underwriting, claim history, eligibility or approval prediction, insurer or policy recommendation |
相关计算器
官方资料来源
- MoneySense — Understanding disability income insuranceMoneySense／新加坡金融管理局 · 验证于 2026-09-04
- CPF Board — Useful CPF tips for self-employed persons中央公积金局 · 验证于 2026-09-04
- CPF Board — Saving as a platform worker中央公积金局 · 验证于 2026-09-04
- MOM — Sick leave eligibility and entitlementMinistry of Manpower · 验证于 2026-09-04
官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。
引用建议：Interest.sg，《新加坡伤残收入与应急续航规划》，资料日期 2026-07-02，最后成功检查 2026年9月4日。