Long Term Disability
Freelancers Union offers long-term disability insurance to independent workers through the Guardian Life Insurance Company of America.
Long-Term Disability insurance replaces a portion of your lost earnings should you become unable to work for an extended period of time. Reasons for claiming disability benefits might include accidents, illness, or pregnancy-related issues.
Eligibility
Enrollment is available to Freelancers Union Members who meet eligibility requirements.
Please note that disability insurance coverage does not extend to spouses or children.
Levels of Coverage
Guardian offers a flat benefit rate that covers up to 50% of your current monthly salary.
Your coverage options are: $500, $750, $1,000, $1,250, $1,500, $2,000, $2,500 or $3,000, per month.
Your benefit payments will commence after you have been unable to work for either 30- or 90-days (depending on your election), due to disability.
Freelancers Union Member Perk
If you’re purchasing both Disability Insurance and Term Life, $1.00 will be shaved off the combined monthly price. (Hey, it’s more than nothing.)
Freelancers Union Group Policy Number: 425611.
