How do I get disability insurance if I'm self-employed?

You buy an individual policy directly, since there's no employer plan to lean on — and for the self-employed, that coverage is even more essential because you have no sick leave or group safety net. Apply through an independent agent or broker who can shop multiple carriers, and expect underwriting based on your health, occupation, and documented income. The income piece matters: insurers verify earnings from tax returns, so if you aggressively minimize taxable income, you may qualify for less coverage than you expect. Look for an own-occupation definition, a benefit that replaces around 60% of income, a residual rider that pays partial benefits if you can work reduced hours, and benefits payable to retirement age. Because you fund premiums personally, the benefits come tax-free. Lock it in while healthy. Self-employed readers can also review broader protection at wealthserene.com/for/self-employed.