{"id":13949,"date":"2024-02-08T16:10:42","date_gmt":"2024-02-08T16:10:42","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=13949&#038;preview=true&#038;preview_id=13949"},"modified":"2024-02-08T16:13:53","modified_gmt":"2024-02-08T16:13:53","slug":"disability-insurance-for-self-employed-workers","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/disability-insurance-for-self-employed-workers","title":{"rendered":"Disability Insurance for Self-employed Workers"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Disability Insurance for Self-employed Workers<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-02-08T16:10:42-05:00\">February 8, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" 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\/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Disability Insurance for Self-employed Workers &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/disability-insurance-for-self-employed-workers\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope 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aria-expanded=\"false\"><span class=\"selectDropdown__title\">How does disability insurance work if you\u2019re self-employed?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-how-does-disability-insurance-work-if-you-re-self-employed\">How does disability insurance work if you\u2019re self-employed?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-common-reasons-for-self-employed-workers-going-on-disability-insurance\">What are common reasons for self-employed workers going on disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-should-self-employed-workers-consider-disability-insurance\">Why should self-employed workers consider disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-disability-insurance-plan-if-you-re-self-employed\">How to choose the right disability insurance plan if you\u2019re self-employed<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-is-disability-insurance-worth-it-for-self-employed-workers\">Is disability insurance worth it for self-employed workers?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-can-any-self-employed-worker-get-disability-insurance\">Can any self-employed worker get disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-disability-insurance-cost-for-self-employed-workers\">How much does disability insurance cost for self-employed workers?<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>That\u2019s where disability insurance for self-employed workers and disability insurance for business owners comes in. It helps you protect your income, lifestyle, and, in some cases, your business. And it\u2019s especially important for self-employed people who don\u2019t have access to a group plan through their employer.<\/p>\n\n\n\n<p><a><\/a>No one likes to think about the possibility of serious illness or injury. Unfortunately, accidents and illnesses happen, so it\u2019s worthwhile being prepared.<\/p>\n\n\n\n<p><a><\/a>Wondering if disability insurance is right for you? Here\u2019s what you need to know.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Disability insurance is designed to provide an income if you sustain a serious illness or injury. It can allow you and your family to pay your bills and maintain your lifestyle during a difficult period.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">If you\u2019re self-employed, an individual insurance plan may be an important part of your financial health, as it could provide financial support and other benefits.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The cost of disability insurance for self-employed people varies. Your monthly premium will depend on a few factors such as your profession, the type of coverage you want, how much income you want replaced if you can\u2019t work, and more.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>There are individual disability insurance policies available to suit various needs. Speak to an insurance advisor to see what you\u2019re eligible for and to help you pick out a plan that best fits your needs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-disability-insurance-work-if-you-re-self-employed\">How does disability insurance work if you\u2019re self-employed?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HealthInsurance-13949-1da13e40\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Disability insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Disability insurance<\/a> is a form of income protection that you pay for each month. If you ever can\u2019t work because of an illness or an injury, disability insurance can help you cover your monthly expenses.<\/p>\n\n\n\n<p>If someone is working for an employer, they\u2019ll often get coverage through a group plan that has short-term disability (STD) and long-term disability (LTD) insurance. They may also qualify for government help through Employment Insurance (EI) and\/or the Canada Pension Plan (CPP).<\/p>\n\n\n\n<p>But what if you\u2019re self-employed, or you\u2019re a business owner? You may still be able to claim benefits if you pay into CPP or EI for self-employed workers. But you might also want to consider an individual disability insurance plan to make sure you can continue to pay your bills in the event you become injured or ill.<\/p>\n\n\n\n<p>Most individual disability insurance plans work something like this: <\/p>\n\n\n\n<ol class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You pay a fee (called a \u201cpremium\u201d) each month.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">If you ever have a serious injury or an illness and can\u2019t do your job for an extended period of time, you submit an insurance claim.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If your claim is approved, you receive a monthly payment that covers a percentage of your usual earnings. It\u2019s typically tax free to help you get closer to the amount you usually make each month.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your plan may also give you access to specialists and extra supports to help you recover more quickly and return to work.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-common-reasons-for-self-employed-workers-going-on-disability-insurance\">What are common reasons for self-employed workers going on disability insurance?<\/h2>\n\n\n\n<p>Surprisingly, just eight per cent of disabilities are caused by injuries due to workplace mishaps or car accidents. These other health issues are more common:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mental health disorders:<\/strong> From clinical depression to substance abuse, issues with mental health are a common reason people need time off work.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Cancers: <\/strong>Treatment may make it difficult or impossible to work for a period of time.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cardiovascular diseases:<\/strong> Heart disease, heart attack, and stroke can all require time off for treatment.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Musculoskeletal diseases: <\/strong>Arthritis, for example, can cause joint pain, mobility issues, and weakness that turn certain types of employment into a struggle.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-should-self-employed-workers-consider-disability-insurance\">Why should self-employed workers consider disability insurance?<\/h2>\n\n\n\n<p>You may have a home, a car, or an investment portfolio, but none of those things is your most valuable asset. It\u2019s actually your ability to make a living. If you\u2019re 35 and have an annual income of $72,000, you have the potential to make $3,160,994.63 over the next 30 years, assuming a modest 2.5 per cent salary increase each year. That\u2019s a serious chunk of change.<\/p>\n\n\n\n<p>As a self-employed person, you\u2019re in a unique position, since: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You don\u2019t have protection from an employer\u2019s group insurance plan.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">You may have fixed operating costs, such as monthly rent for an office space, that put extra pressure on your finances.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You are responsible for your clients or your customers. If you can\u2019t work for several months, business may go elsewhere, which could have long-term effects on your income.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>An individual disability insurance plan may be an important part of your financial well-being if you\u2019re self-employed. Here\u2019s how it can help.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-support\">Financial support<\/h3>\n\n\n\n<p>When a disability lasts longer than 90 days, it can typically continue for two to three years. Could you pay your bills for that length of time without your usual income? Your options include depleting your savings, relying solely on the earnings of a spouse or partner, taking out a loan (if you qualify), or planning ahead with disability insurance. Purchasing disability insurance can offer some relief in knowing that you\u2019ll have financial support if you become too sick or injured to work.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-access-to-specialists\">Access to specialists<\/h3>\n\n\n\n<p>Appointments with specialists may help you recover sooner. Some disability insurance plans can get you quick access to physicians (e.g., rheumatologists, oncologists, or psychiatrists), mental-health professionals, and in-person or virtual rehabilitation services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-return-to-work-support\">Return-to-work support<\/h3>\n\n\n\n<p>For many people, work isn\u2019t solely about the paycheque. It\u2019s also about meaningful output, contributing to society, and the sense of accomplishment we get from providing for our families.<\/p>\n\n\n\n<p>These are just a few reasons that some people wish to return to work as soon as possible after illness or injury. Some disability insurance policies can help you get back to work faster by providing these supports: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Work conditioning (support as you return to work gradually)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Work-site modification<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Transferable skills analysis (if you can\u2019t go back to your old career)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Job search assistance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Assistive devices (such as wheelchairs, hearing aids, and prostheses)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dependant care (if you needcare for your kids or your parents, so you can go to a rehab program).<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-disability-insurance-plan-if-you-re-self-employed\">How to choose the right disability insurance plan if you\u2019re self-employed<\/h2>\n\n\n\n<p>Speak with an insurance advisor or broker and ask plenty of questions. You\u2019ll want to compare a few aspects of each plan you\u2019re offered.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Occupations:<\/strong> Does the provider typically cover your type of occupation?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Terms and conditions:<\/strong> How does the provider define \u201cdisability\u201d?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Benefits:<\/strong> What types of benefits are offered with each plan? How long do the benefits last? Does the provider have access to medical professionals and offer return-to-work assistance?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Customer service:<\/strong> Does the provider have a team of trained specialists who will help you through the claims process and offer support while you\u2019re on disability?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-disability-insurance-worth-it-for-self-employed-workers\">Is disability insurance worth it for self-employed workers?<\/h2>\n\n\n\n<p>Imagine you had to take months or years off work. Would you still be able to afford your mortgage or rent, utilities, car, groceries, school fees, and any of the other expenses you\u2019ve accumulated? Most people would say \u201cno.\u201d If you\u2019re in the same boat, disability insurance could be a useful part of your financial wellness plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-any-self-employed-worker-get-disability-insurance\">Can any self-employed worker get disability insurance?<\/h2>\n\n\n\n<p>Ultimately, you\u2019ll need to speak with an insurance advisor or broker and answer some pre-qualifying questions about your type of work and how long you\u2019ve been self-employed. There are individual disability insurance policies available to suit various needs, and an advisor can get into specifics.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-disability-insurance-cost-for-self-employed-workers\">How much does disability insurance cost for self-employed workers?<\/h2>\n\n\n\n<p>Every plan is different. That means the cost of disability insurance for self-employed people will also vary. Your monthly premium will depend on a few factors, including: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your profession<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">The type of coverage you want (there are many options, from what types of injury and illness are covered to how long you would be able to claim benefits)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How much income you need replaced if you become sick or injured and can\u2019t work.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>To figure out the amount of income you\u2019d need covered, you\u2019ll need to have a close look at your current monthly expenses.<\/p>\n\n\n\n<p>Chat through the details with an insurance advisor or broker to find out the best plan and the amount of coverage to best suit your occupation and your lifestyle.<\/p>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-3605d45b-73cb-4f45-bd5c-373738fd2061 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3605d45b-73cb-4f45-bd5c-373738fd2061 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-3605d45b-73cb-4f45-bd5c-373738fd2061\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-6104516e-7d05-4837-a171-fa49e968f0e2 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6104516e-7d05-4837-a171-fa49e968f0e2 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-6104516e-7d05-4837-a171-fa49e968f0e2\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-c1194725-5f0c-4b3e-b3d2-e3e00860f770 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c1194725-5f0c-4b3e-b3d2-e3e00860f770 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-c1194725-5f0c-4b3e-b3d2-e3e00860f770\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Before the age of 65, one in four working-age Canadians will experience a disability that prevents them from working for an extended period of time. If you were part of the 25 per cent, would you still be able to pay your bills?<\/p>\n","protected":false},"author":80,"featured_media":13950,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[19,9],"article-type":[80],"ppma_author":[],"class_list":["post-13949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-disability-insurance","tag-health-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Disability Insurance for Self-employed Workers | RBC Insurance<\/title>\n<meta name=\"description\" content=\"If you\u2019re self-employed, disability insurance can help you protect you if you suddenly become sick or injured and can\u2019t work.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/disability-insurance-for-self-employed-workers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is disability insurance? Is it really worth it? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"The right insurance plan can help protect your money if you can&#039;t work due to an illness or injury, even if you already have some coverage at work.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/disability-insurance-for-self-employed-workers\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"RBC Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-08T16:10:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-08T16:13:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DI-Self-employed.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"2120\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What is disability insurance? 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