We present a unified formalism for describing chemical reaction rates of trapped, ultracold molecules. This formalism reduces the scattering to its essential features, namely, a propagation of the reactant molecules through a gauntlet of long-range forces before they ultimately encounter one another, followed by a probability for the reaction to occur once they do. In this way, the electric-field dependence should be readily parametrized in terms of a pair of fitting parameters (along with a C-6 coefficient) for each asymptotic value of partial-wave quantum numbers vertical bar L, M-L >. From this, the electric-field dependence of the collision rates follows automatically. We present examples for reactive species, such as KRb, and nonreactive species, such as RbCs.