You consider yourself responsible—you always get insurance on your important electronics; you’ve got a health plan and you get checkups with your doc. But there’s probably one important resource you’re not protecting: your ability to work.
Freelancers don’t have the luxury of a steady paycheck, and getting injured or sick can seriously hamper your ability to find new work—or come through on gigs you’ve already picked up. Suppose you’re a developer who ends up with a broken wrist and can’t code, or a wedding photographer with a broken leg: looking at three months of no work isn’t fun!
Luckily, there’s a thing called disability insurance. And yes, even freelancers can get it.
Disability insurance works like this. You’ll pay a premium each month for it, and if you get sick or injured, after a certain period of time of being unable to work, you’ll collect paychecks for another set amount of time. It’s how you can ensure a cash flow even when you can’t work.
So protect your most important resource—yourself—and get covered today.