The market seems to be geared toward self-employed professionals, such as dentists, rather than the typical tech worker. AFAIK private disability insurance fol

The market seems to be geared toward self-employed professionals, such as dentists, rather than the typical tech worker. AFAIK private disability insurance folks love "typical" tech workers because they're less likely to malinger than most self-employed professionals, to a degree which makes getting private long-term disability insurance a bit of a challenge if one e.g. runs a software consultancy or SaaS business. (FYI for folks who might find themselves in that situation at some point: I got Petersen International Underwriters https://www.piu.org/ https://www.piu.org/ to do a policy for me, despite having at the time a "quite complicated" story on the financial front [0]. They don't sell insurance directly to consumers so one has to use a broker; insubuy.com was adequate for the very modest needs of moving information from my emails into their inbox.) [0] A major risk in underwriting folks for disability insurance is moral hazard; if malingering on insurance is preferable to going to work, some people might be tempted to do so, and since long-term insurance policies might last until current facts about someone's business/career are no longer true, you have to make a best guess on "OK, does it look like their $200k+ income will continue, or will they eventually face the choice 'Shut down business and get a job at Target or leave the workforce and bill us for $10k a month.'"