Employee benefits typically refers to retirement plans, health life insurance, life insurance, disability insurance, vacation, employee stock ownership plans, etc.

员工福利通常指退休方案、健康保险、人寿保险、伤残保险、休假、员工持股计划等。

youdao

The accounts could then be further expanded to allow substitution of private life insurance for Social Security survivors benefits, and private disability insurance for Social Security disability benefits.

FORBES: A Personal Account Option For Social Security

If I lose a foot, or a hand, my disability insurance policy will pay benefits for at least 23 months.

FORBES: How Much Is Your Foot Worth?

About half of all disability-insurance applicants are eventually awarded benefits, and only rarely re-enter the labor force.

WSJ: Jobless Rate Masks Depth of Labor Woes