Those of who are self-employed, do you have

disability insurance and how did you get it?

Re: Those of who are self-employed, do you have

I believe I pay for disability through my taxes, I am on a 1099.
My DH has a supplemental benefit plan from his employer as well as medical benefits. I get my benefits mostly through DH. I hope that answers your question.

Re: Those of who are self-employed, do you have

No, I didn't get disability insurance but I looked into it when I went 1099. And no just because you have a 1099 that doesn't mean you are covered.

I am on DH's health insurance plan.

Re: Those of who are self-employed, do you have

Re: Those of who are self-employed, do you have

I THINK... As an employee in NYS who pays taxes, you may be entitled to the public disability insurance (social security).

However, there are also private disability insurance companies- like life insurance. (I Just went through this- I am not self employed, but DH is)

If you are self employed, you will need to prove your income via taxes. They usually compensate you up to 80% of your annual salary. You need to pass a physical and they will examine your medical records and then give you a rate depending on your job, income, age, health, etc...

Re: Those of who are self-employed, do you have

No I dont, I really should. I do however have Malpractice Insurance.

edited to say, kara is correct I have a 1099/W9 too and no you are not covered by NYS for it. Im under my DH medical coverage.

Message edited 2/17/2006 12:21:22 PM.

Re: Those of who are self-employed, do you have

Re: Those of who are self-employed, do you have

No..I don't have disability insurance, but I do have professional liability incase I get sued