Special-Employed Insurance Choice PnL Calculator

Special-Employed Insurance Choice PnL Calculator helps compare job, salary, or work-life choices with editable employment assumptions.

Coverage choice inputs

Compares worker premiums with expected protection value.

Worker profile

Insurance agent

Monthly worker burden

₩637,516

Expected protection value

₩1,608,353

Net protection value

+₩701,153

Coverage detail

Employment insurance expected net

+₩848,639

Industrial accident expected net

-₩147,486

National Pension monthly contribution

₩315,000

Health insurance total

₩284,716

Employer monthly support

₩37,800

Cumulative worker burden

₩15,300,384

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Special-employed insurance choice P&L guide

This English page translates the Korean special-employed insurance choice P&L calculator and calls calculateSpecialEmployedInsuranceChoicePnl. It compares worker premiums, employer support, expected unemployment value, expected industrial-accident value, pension burden, and health-insurance burden.

Worker profile and horizon

The Korean source models insurance agents and visiting study teachers with separate default monthly income, annual unemployment risk, annual accident risk, accident leave days, medical cost, and industrial accident rate per mille. The English UI maps those profiles into English labels while preserving the original numeric profile values.

The analysis horizon can be 12, 24, 36, or 60 months. Expected values use the selected horizon, so a low annual risk can still produce a meaningful expected benefit over several years.

Employment insurance branch

Employment insurance uses a worker rate and employer rate of 0.8% each in the Korean source, checks the KRW 800,000 minimum monthly income threshold, and applies a premium-base floor of KRW 1,330,000 where relevant.

Benefit value is based on required insured months, separation reason eligibility, age-group duration, daily benefit at 60% of monthly income divided by 30, and the daily maximum in the Korean constant table. The result reports potential benefit, horizon probability, expected benefit, cumulative worker cost, and expected net.

Industrial accident, pension, and health insurance

Industrial accident coverage applies the worker profile rate plus the commute rate from the Korean constants and splits worker and employer portions. It estimates leave compensation and medical benefit from accident probability, leave days, and medical cost.

National Pension is modeled at 9% over the source minimum and maximum base-income range. Health Insurance can be dependent, estimated regional, or custom regional, and long-term care is calculated as a percentage of Health Insurance.

Interpreting net value

The calculator distinguishes monthly total burden from monthly protection premium, cumulative total burden, expected protection value, net protection value, employer monthly support, and employer cumulative support. A positive expected net does not guarantee cash recovery; it means the modeled expected benefit exceeds the modeled worker cost.

Actual insurance enrollment, platform contract status, income reporting, and accident recognition can change outcomes. The English page keeps the Korean calculation path so users can compare scenarios without English/Korean result drift.