Disability

Provided by:

  • Peace of mind for the price of a fancy latte
  • Flexibility to choose a plan that fits your budget
  • Portable nationwide for wherever your gig takes you

What is Disability Insurance?

Long term disability insurance (LTD) is an insurance policy that protects you from loss of income in the event that you can’t work due to illness, injury, or accident for a long period of time.

Disability insurance is especially important for freelancers, who don’t have the luxury of vacation days and sick leave in the case of a life-altering event.

Your disability insurance means you’ll get income replacement checks (like a paycheck) while you can’t work.

What are my options?

We offer two types of disability insurance: one begins 30 days after you become disabled and the other begins 90 days after you become disabled. In other words, in the case of an injury or illness, you would have to wait either 30 or 90 days until you receive income replacement checks.

As a general rule, you may be eligible for a monthly benefit up to about 60% of net personal (not business) income, depending on the benefit level you choose and your income for two years prior to your disability. You can review the Benefits Booklet PDF below or call 800-856-9981 for more information.

How are benefits calculated?

Benefits are based off Insured Earnings. Insured Earnings are based on your personal income, and do not include: expense accounts and other extra compensation, stock options exercised, business expenses, as reported on Schedule C - Part II of your Federal Income Tax Return.

Monthly Benefit $500 $750 $1,000 $1,250 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000
Minimum Annual Salary Required $12,000 $18,000 $24,000 $30,000 $36,000 $48,000 $60,000 $72,000 $96,000 $120,000
AGE MONTHLY COST 1
15-24 $7.54 $8.45 $9.33 $10.74 $12.39 $15.48 $20.13 $23.15 $30.88 $38.61
25-29 $8.10 $9.28 $10.43 $12.28 $14.42 $18.47 $24.54 $28.50 $37.82 $47.29
30-34 $9.15 $10.84 $12.57 $15.21 $18.37 $25.94 $33.10 $39.01 $52.28 $65.34
35-39 $8.38 $9.69 $11.03 $13.06 $15.30 $21.54 $26.76 $31.22 $41.83 $52.29
40-44 $8.84 $10.40 $11.95 $14.35 $16.76 $23.62 $29.82 $34.47 $45.79 $57.25
45-49 $10.48 $12.82 $15.18 $18.85 $22.83 $33.40 $43.10 $50.83 $67.66 $84.59
50-54 $15.70 $20.68 $25.66 $33.38 $41.80 $63.25 $83.82 $99.97 $133.32 $166.66
55-59 $22.02 $30.16 $38.30 $50.96 $64.34 $100.05 $134.09 $161.22 $214.88 $268.61
60+ $35.48 $50.35 $65.21 $88.32 $113.36 $178.55 $241.19 $291.42 $388.42 $485.53
Monthly Benefit $500 $750 $1,000 $1,250 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000
Minimum Annual Salary Required $12,000 $18,000 $24,000 $30,000 $36,000 $48,000 $60,000 $72,000 $96,000 $120,000
AGE MONTHLY COST 1
15-24 $6.58 $7.00 $7.42 $8.07 $8.83 $10.28 $12.43 $13.85 $18.45 $23.06
25-29 $6.58 $7.00 $7.42 $8.07 $8.83 $10.28 $12.43 $13.85 $18.45 $23.06
30-34 $7.37 $8.18 $9.00 $10.26 $11.75 $15.36 $18.77 $21.59 $28.89 $36.12
35-39 $7.83 $8.86 $9.90 $11.51 $13.27 $18.18 $22.29 $25.81 $34.36 $42.95
40-44 $8.33 $9.63 $10.91 $12.91 $14.93 $20.64 $25.81 $29.68 $39.31 $49.14
45-49 $9.63 $11.55 $13.48 $16.48 $19.75 $28.42 $36.36 $42.70 $56.72 $70.91
50-54 $12.25 $15.51 $18.76 $23.82 $29.31 $43.33 $56.78 $67.33 $89.56 $111.95
55-59 $14.41 $18.73 $23.07 $29.80 $36.92 $55.91 $74.01 $88.45 $117.89 $147.37
60+ $14.75 $19.26 $23.77 $30.77 $38.36 $58.11 $77.19 $92.32 $123.38 $153.59

Questions?

Email us at membership@freelancersunion.org.