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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

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Benefits Summary

  • Protect yourself when you’re unable to work, with savings up to 88%
  • Plans designed for the freelance community, with no penalties for profession or gender.
  • Waiting periods as low as 30 days before benefits kick in.
  • See the full rate table below

About this insurance

Protect your wages when you can’t work

Disability insurance is especially important for freelancers, who don’t have the luxury of vacation days or 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.

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.

Here’s a good rule of thumb: look for a policy that’s about 50% of your monthly income. For instance, if you earn $60K per year after all of your business deductions, $2,500 per month of coverage may be a good fit.

Our Partner


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. Check out the table below for more information and specific rates. Rates are organized by age and the waiting period before you receive benefits, either 30 days or 90 days. 90-day waiting period policies cost less than the same coverage level with a 30-day waiting period.


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

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

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*


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.