If you run your own business or earn 1099 income, disability insurance protects your ability to earn. Compare individual policies, BOE plans, and riders like own-occupation and residual coverage to match your risks and cash flow needs.
If you're self-employed, disability insurance can replace part of your income if illness or injury prevents you from working. Compare own-occupation vs any-occupation rules, short- and long-term options, elimination periods, riders, and how underwriting and state programs affect coverage.
Short-term disability insurance replaces part of your income for a limited time after illness or injury. For self-employed people, it helps cover essential bills during recovery. Compare benefit amount, waiting period, benefit length, riders and exclusions before you buy.
Disability insurance replaces part of your income if illness or injury prevents you from working. Compare short-term vs long-term, group vs individual, key policy features, premiums drivers, and tax rules before you buy.
Individual disability insurance replaces part of your income when illness or injury prevents work. Compare definitions, benefit periods, and riders - don't pick coverage on price alone.