Disability Insurance

Freelancers and gig workers get no employer or state safety net. Here is how disability insurance for freelancers works, what it costs in 2026, and how to buy it.

Group disability is free — and taxed, capped, non-portable, and base-salary-only. The honest comparison, real math on a $150k earner, and the layering strategy.

Same premium, opposite outcomes. How own-occupation, transitional, and any-occupation definitions behave at claim time, who should pay up, and what it costs.

Forget the 60% slogan — calculate your real disability coverage need in 10 minutes. Tax-free benefit math, carrier caps, and what each benefit level costs in 2026.

Self-employed? You’re insurable — if you handle the income-proof problem right. Tax-return strategy, real 2026 rates, policy design, and BOE coverage explained.