残疾保险为何重要
如果没有雇主支持的福利，自由职业者就有可能在健康危机期间失去所有收入。长期伤残保险可以防范这种风险，如果你因病或因伤长期无法工作，它将按月支付固定的金额。
申请保险
填写表格提交申请
福利摘要
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当你失业时，这个计划可以帮助你：
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和你一样努力工作的覆盖面：
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费率
| 每月津贴 | $500 | $750 | $1,000 | $1,250 | $1,500 | $2,000 | $2,500 | $3,000 | $4,000 | $5,000 |
|---|---|---|---|---|---|---|---|---|---|---|
| 最低年薪要求 | $12,000 | $18,000 | $24,000 | $30,000 | $36,000 | $48,000 | $60,000 | $72,000 | $96,000 | $120,000 |
| 年龄 | 每月费用 | |||||||||
| 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 |
| 每月津贴 | $500 | $750 | $1,000 | $1,250 | $1,500 | $2,000 | $2,500 | $3,000 | $4,000 | $5,000 |
|---|---|---|---|---|---|---|---|---|---|---|
| 最低年薪要求 | $12,000 | $18,000 | $24,000 | $30,000 | $36,000 | $48,000 | $60,000 | $72,000 | $96,000 | $120,000 |
| 年龄 | 每月费用 | |||||||||
| 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 |
我们的合作伙伴
卫报
自由职业者联盟与 Guardian 合作，提供专为自由职业者设计的伤残保险。赔付金额基于您的应纳税收入，即扣除任何业务扣减（租金、设备等）后的收入。Guardian 将要求并审查您的历史报税表，以确定赔付金额。
为什么要为自由职业者工会购买保险
在哪里购买保险
其实很重要
- 当您通过自由职业者联盟购买计划时，我们会收取少量佣金，您无需支付额外费用
- 这些资金有助于我们继续开展工作，为全国各地的自由职业者提供宣传和支持
- 合作伙伴关系还有助于我们确保为会员找到最佳计划和折扣
立即查找覆盖范围
残疾计划起价为 20 美元/月*。
细则（律师让我们这么做的）
Freelancers Union, Inc. (FU) 不是持牌保险代理人或保险公司。Freelancers Union 与 Guardian 签订合同，为您提供团体伤残保险。本网站上有关伤残福利的信息是适用条款和条件的摘要，仅供一般参考之用。任何伤残产品的条款仅受适用的会员合同管辖。如果本网站提供的信息与会员合同的具体条款不一致，应以会员合同为准。