Did you know that illness, not accidents, is the cause of 90% of disabilities (according to the Council for Disability Awareness)? And did you know that you have a one in four chance of becoming disabled or sick for at least a year between age 20 and retirement? Let that sink in a moment.
While healthcare is a priority insurance for freelancers (and rightly so), it doesn’t fully protect you and your dependents from the financial havoc of prolonged illness or injury. No access to sick days means significant loss of income, and as the stats above show, luck is not a strategy. What you need instead is disability insurance.