Can You Get Disability Insurance If You’re Self-Employed?
Self-employed professionals have more freedom—but also more financial risk. If you’re a freelancer, independent contractor, or small business owner, your income likely depends on your ability to work. So what happens if illness or injury takes you off the job?
That’s where disability income insurance comes in—and yes, you can get Disability Insurance if you’re self employed.
Why You’re More Exposed Without It
Traditional employees often have short- or long-term disability coverage through their workplace. But as a self-employed individual, there’s no safety net unless you build one yourself. Disability insurance is your personal income protection plan—replacing part of your earnings if a covered condition prevents you from working.
Without it, you could be forced to drain savings, pause your business, or take on debt just to stay afloat.
How It Works for Self-Employed Individuals
The underwriting process looks a bit different when you’re self-employed. Carriers will want to verify:
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Your net income (typically via tax returns or profit/loss statements)
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Your job duties and physical requirements
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How long you’ve been self-employed
With this info, they can determine the appropriate benefit amount, waiting period, and length of coverage. Some carriers even offer policies specifically tailored to entrepreneurs.
At Diversified Insurance Brokers, we work with business owners in all industries—from real estate agents to consultants to small shop owners—to create disability protection that works with their income and lifestyle.
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Ready to explore insurance and annuity options that offer guaranteed income, principal protection, disability, life insurance, Social Security and Medicare reviews, and long-term financial growth? Let the expert advisors at Diversified Insurance Brokers help you find the right strategy for your retirement goals.
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