Self-Employed Disability

While individuals who are self-employed can enjoy more freedom than those who work for a larger company, they can be at a greater risk in the event that they suffer disabilities. Disabilities can come about in a number of different ways.

• Self-employed individuals may be injured while they are the job.
• They may also suffer from medical ailments that prevent them from remaining self-employed or taking on other forms of employment.
• Personal injuries, such as those resulting from auto accidents, can also affect an individual's ability to work.

Should a self-employed person become disabled, a long-term disability insurance policy is one important way that he may continue to receive income.

Disability Insurance Policies for the Self-Employed

Those who are self-employed can purchase disability insurance, just as they should purchase a health insurance policy. In addition to buying disability insurance policies to provide for themselves and their families, the self-employed may qualify for disability benefits from the Social Security Administration. They may consider applying for Social Security Disability Insurance and Supplemental Security Income (SSI). Both insurance benefits and SSI require that the applicants meet specific criteria and submit the required paperwork. Attorneys who specialize in disability insurance can help their self-employed clients decide whether they qualify for government-sponsored benefits.

The attorneys at David Allen & Associates Law can assist self-employed individuals in applying for benefits from disability insurance policies and government-sponsored programs. The law firm operates from two offices in Calfiornia, as well as an office in Reno, NV.