Can an independent contractor apply for disability coverage?
Some options may be available. Insurers assess occupation, income evidence, health information and other application details; terms and approval vary.
Alberta · Ontario · British Columbia
Income protection for independent contractors
If you can't work, nothing comes in.
Contract income can stop with an injury or illness, even while household and business costs continue. A clear review starts with your income pattern, obligations and any protection already in place.
Start my free Risk AssessmentWhere your plan can be exposed
- No employer sick pay between jobs or contracts.
- Variable billing and seasonal work make a steady monthly benefit harder to plan.
- Personal and work expenses can keep running while you recover.
A clear, three-step review
- 01
Map earnings, fixed costs, savings and any group or individual coverage.
- 02
Review occupation, waiting periods, benefit definitions and exclusions.
- 03
Compare eligible Canadian-carrier options in plain language; applying is optional.
Coverage areas to explore
Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Explore serviceGroup Benefits & Business Protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
Explore serviceNewcomer & Everyday Coverage
Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.
Explore serviceQuestions and answers
Does an income review cost anything?
The Risk Assessment and initial review are free. There is no obligation to apply.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
General information only; not tax, legal or investment advice.