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.
A practical guide to disability insurance options in Florida: group and individual policies, key features to compare, where to get quotes, and tips for choosing coverage in 2025.
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.
Self-employed people lack employer benefits and should consider credit life (loan protection), individual life, and disability insurance to protect income and debts. Compare lender offers with standalone policies and check insurer ratings before you buy.