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If you are self-employed,
your livelihood depends entirely on your ability to work and to create wealth.
That is why, self-employed individuals should consider disability coverage. Unfortunately,
it is often overlooked. Long-term
disability insurance protects you and your business from loss resulting from a
disability that lasts longer than 90 days. Experts say that you should be prepared
to pay about 3% of your after-tax income for a policy that provides you coverage
until age 65. But, because the large majority of long-term disabilities are not
permanent, you may want to save money by limiting your policy to a certain number
of years. | 
