3 ms·

Here you just have insurance for this. You get 80% of your salary while you can't work.

• rdl 12y ago
  Getting disability insurance is strongly encouraged for contractors and others in the US (we have both short term and long term). There are actually federal (and some state) programs to pay disability if a worker is disabled, but enrollment takes some time, and generally the support is at poverty level, not based on salary. A serious complication for people who freelance, contract, etc. is that aside from Social Security Disability (SSI, generally for long-term disability), the programs are related to unemployment insurance, which is related to wage income. If you, for instance, are bootstrapping a company from savings and not paying yourself a salary, then get in an accident, even if your medical insurance covers 100% of medical costs, you're probably screwed on everything else.