Still protected.
Self-employed.
Still protected.
You built your own way of working. Build an income safety net around it, especially if you don’t receive workplace benefits.
When you are the business, your income deserves a plan.
Consultants, independent contractors, freelancers, and small-business owners often rely on their own earnings to support their households. Disability income insurance can help address a covered interruption in those earnings.
Start with what you need to keep going.
- Household expenses and your existing emergency reserves.
- Your day-to-day job duties and how a disability could affect them.
- Documented earnings and any existing coverage.
- The time you could manage before benefits begin.
Personal income and business expenses are different needs.
Personal disability income insurance addresses your income. Business overhead expense coverage, when available and appropriate, may help with specified business expenses during a covered disability. These are different contracts with different rules.
What should you bring to a conversation?
A general description of your work, your state, approximate earned income, and a summary of any existing benefits. Financial documentation may be required later in the underwriting process. Please do not send tax returns or medical records through ordinary email.
If your work depends on fine motor skills or physical tasks, read our guide for hands-dependent careers. For a starting estimate, use the coverage-gap calculator.
Protect your next paycheck.
And the life behind it.
Tell Daniel what you do, what matters to you, and what you already have. Start with a clear look at your options.