Secure Your Income

At Freelancers Union, we offer plans designed specifically for independent workers like you. No employer coverage? No problem.

Why Disability Insurance Matters

Without employer-backed benefits, freelancers risk losing all income during a health crisis. Long-term disability insurance protects against that risk by paying out a set monthly amount if you’re unable to work due to illness or injury for an extended period.

Apply For Coverage

Fill out the form to submit application

Benefits Summary

While you’re out of work, this plan helps you:

  • Cover rent or mortgage
  • Pay for groceries, utilities, or childcare
  • Avoid draining your savings or taking on debt
 

Coverage that works as hard as you do:

  • Income protection up to 70% of your earnings
  • No penalties for profession or gender
  • Plans starting at just $20/month

About this insurance

Pick a Plan That Fits You

Choose the benefit timing that gives you peace of mind:

  • 30-day waiting period: Benefits start after 1 month
  • 90-day waiting period: Benefits start after 3 months

How much coverage is enough?

A good rule of thumb: choose a benefit amount around 50% of your monthly income. So if you bring in $5,000/month, consider a $2,500/month benefit.


Rates

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
AgeMonthly Cost
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
AgeMonthly Cost
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

Our Partner

Guardian

Freelancers Union has partnered with Guardian to provide disability insurance that is designed specifically for freelancers. Benefits are based on your taxable earned income, which is your income after taking any business deductions (rent, equipment, etc.). Guardian will request and review your historical tax returns in order to determine the benefit payout.

Why buy insurance with freelancers union

Where you buy insurance
Actually matters

  • When you purchase a plan through Freelancers Union, we get a small commission at no extra cost to you
  • These funds help us continue our work advocating for and supporting freelancers around the country
  • Partnerships also help us ensure that we're finding the best plans and discounts for our members

Find coverage today

Disability plans starting at $20/mo*

Why buy insurance with freelancers union

Where you buy insurance
Actually matters

  • When you purchase a plan through Freelancers Union, we get a small commission at no extra cost to you
  • These funds help us continue our work advocating for and supporting freelancers around the country
  • Partnerships also help us ensure that we’re finding the best plans and discounts for our members

Need more help
choosing a plan?

THE FINE PRINT (LAWYERS MADE US DO IT)

Freelancers Union, Inc. (FU) is not a licensed insurance agent or insurer. Freelancers Union contracts with Guardian to provide you with group disability insurance. The information on this Website about disability benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any disability products are governed solely by the applicable Member Contract. In the event of any inconsistency between information provided on this Website and the specifics provisions of the Member Contract, the Member’s Contract shall govern.