Freelancers have no sick pay, no employer disability benefits, and often thin savings runways. Disability insurance replaces 60–70% of your income if illness or injury stops you from working — and it's more likely to pay out during your career than life insurance.
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Freelancers have no sick pay, no employer disability benefits, and often thin savings runways. Disability insurance replaces 60–70% of your income if illness or injury stops you from working — and it's more likely to pay out during your career than life insurance.
Disclaimer: All calculations are estimates based on industry averages and publicly available data. This tool is for educational purposes only and does not constitute insurance, financial, legal, or tax advice. Consult a licensed insurance broker and financial advisor for personalized recommendations.