Short Term Disability Insurance for the Self-Employed
When you work for yourself, an injury or illness doesn't just sideline you—it stops your paycheck. Short-Term Disability coverage replaces 60-70% of your income for up to a period of 6 months, so you can focus on recovery instead of bills. That means rent, mortgage payments, utilities, and everyday essentials keep moving even while you're off your feet. No employer required—we help you tailor both the benefit period and payout to match your actual income, whether you're a contractor, freelancer, or small business owner. Personalized guidance across Pickens, Easley, Anderson, Greenville, and all of Upstate SC.
Coverage that pays out when you can't work
Here's what short term disability actually does for self-employed workers in Upstate SC. The numbers, plain and simple.
60-70%
of your regular income replaced while you recover
Up to 6 months
of benefits, enough time to heal and get back to work
7-30 days
waiting period before monthly benefits kick in
38 Years of Experience
guiding Upstate SC families through coverage choices
Built for People That Have No Employer Safety Net
Your income doesn't come from an employer — it comes from your ability to show up, do the work, and keep things running. When an injury or illness keeps you off your feet, short-term disability insurance replaces 60–70% of your income for up to 6 months, so rent, mortgage, utilities, and everyday essentials keep moving while you recover. We build protection around your actual earnings and the specific risks of your work — whether you're a freelancer, contractor, gig worker, or small business owner. No one-size-fits-all policy, just honest guidance from Howard Shanley, trusted by families across Upstate SC since 1999.
Solo Freelancers
Writers, designers, developers, and consultants with one primary source of income to protect — if illness or injury keeps you from working, your entire livelihood stops. Disability insurance replaces 60–70% of your income so you can focus on recovery instead of draining savings or scrambling to cover bills.
Independent Contractors
Construction, trades, and delivery pros whose body is the business and whose income depends on showing up. One injury can stop the paychecks—without a plan, rent, tools, and family obligations pile up fast.
Gig Workers
Drivers, couriers, and platform workers who rely on every shift to pay the bills—and have no HR department or employer benefits to fall back on when an injury or illness keeps them off the road.
Small Business Owners
Owners whose paycheck depends entirely on the business staying healthy enough to keep cutting checks — even when revenue dips, a key employee goes down, or the unexpected hits.
Short-Term Disability for the Self-Employed: FAQs
Straight answers about cost, waiting periods, and what short term disability covers for self-employed owners.
Trusted By self-Employed Families Across Upstate SC
Real Google reviews from clients who run their own businesses and turn to Howard for honest, plain-spoken guidance.
Howard was such a pleasure to work with! I'm a realtor, my husband owns his own business, and my father owns his own business. Howard was able to get all of us set up with insurance policies that worked best for us — professional, timely, knowledgeable, and friendly. I would recommend this business and Howard to anyone!
Samantha Butler
Realtor; husband & father own businesses
The insurance process always seemed daunting and complicated, but Howard is an expert at guiding you through it to help you understand what choices are the best fit for you. I can't recommend him enough — especially if you're a little scared or worried about what choices to make!
Emily Campbell
5-star Google review
Howard is awesome. He makes it easy and explains it all in plain terms, advising based on the right fit for you. I'll trust and work with him till he retires.
Matthew M
Annual coverage review
Howard is a wonderful agent. He takes all the time you need to get to know you and your situation, is mindful of costs, and is great at explaining things. I would highly recommend him!
Leslie Kilty
5-star Google review
Get Your Short Term Disability Quote Today
Call 1-864-868-5194 to speak with Howard Shanley about a phone or in-home consultation in Pickens County. Independent advice the Upstate has trusted since 1999.