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Wall Street Journal hedcut stipple illustration of an analog automotive fuel gauge with the needle pinned past the Full mark, illustrating SEP-IRA and solo 401(k) contribution capacity that cannot be exceeded and cannot be funded from disability benefits.

SEP-IRA and Solo 401(k) Contributions Stop During Disability

June 20, 2026
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Painterly editorial still life of scattered paper receipts on a wooden desk, including a restaurant check, rideshare receipts, an Apple Store receipt, and business cards, illustrating the documentation a self-employed buyer presents to a disability insurance underwriter.

Two-Year Schedule C Average Sets the Self-Employed Maximum Benefit

June 19, 2026
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Painterly editorial illustration of an East Asian woman in her late thirties seated at a hot desk in a WeWork-style coworking space with a file box, laptop, and water bottle, illustrating the transition from W-2 employment to 1099 contract work.

Workplace Disability Coverage Ends the Day a Worker Goes 1099

June 18, 2026
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Painterly editorial illustration of a Black male residential contractor in a building office reviewing a project-budget spreadsheet on his computer, with a yellow hard hat, rolled blueprints, and tools on the desk.

Business Loan Disability Coverage Ends When the Loan Ends

June 17, 2026
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Conceptual editorial illustration of a balance scale with two money bags labeled Life Insurance and BLP, illustrating the trade-off between term life and business loan disability insurance as loan collateral.

Business Loan Disability Insurance Covers What Term Life Does Not

June 16, 2026
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MRI imaging scan of the lumbar spine and pelvis showing a visible injury, illustrating the back injury that triggers an SBA borrower's BLP claim.

Personal Guarantee on an SBA Loan Survives Owner Disability

June 15, 2026
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Female attorney age 51 recovering from a back injury, seated with a desk calendar marked at the 24-month elapse line, illustrating the BOE benefit-period ceiling.

BOE Benefit Periods End at the Practice Survival Window

June 14, 2026
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Conceptual editorial illustration of two IV bags labeled BOE and DI feeding into outline icons of a business and a veterinarian, illustrating two policies paying separately on one disability event.

Practice Owners Stack BOE and Personal Disability Policies

June 13, 2026
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A painterly editorial illustration of five independent professionals walking left to right across the frame toward a desk holding a tall stack of bound policy documents at the right edge. From left, a white woman architect carrying rolled blueprints, a Black man business consultant with a leather briefcase, an Asian woman dentist in a white clinical jacket with dental loupes on her head, a Latino man attorney with a leather portfolio, and a white man surgeon in blue scrubs holding a surgical mask. The professionals' expressions are determined and matter-of-fact.

U.S. Individual Disability Premium Crossed $5.6 Billion Mark

May 28, 2026
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