I’ve been growing my little foot spa biz for over two years now. It’s currently at what I feel is a really good place number-wise for a part-time hands-on gig. I look forward to filling things out a little bit more in the upcoming year — booking more appointments further in advance if possible — but I’m happy with where things are right now, too.
I’ve also been engagin’ in a lot of learnin’ about potentially uncomfortable subjects recently, including cancer treatment, oncology massage, and death. I think I even finally know how I want my gravestone to look — complete with a refreshing sense of well-placed joy and excitement! (Cue the weird looks!)
When I first became a massage therapist ten years ago, my retired insurance exec cousin told me I should look into disability insurance. What if I injured my tools? How would I support myself? Her questions were valid.
I ended up working at spas that provided disability insurance as a benefit, but those days are over. Being 100% self employed means I have to think about these things and put on my big girl panties. I have to do the things I dread.
This afternoon I visited my insurance rep, Mary. I’ve purchased my business, homeowner’s and auto insurance through her over the years, and she has always been super helpful. I told her I knew nothing about disability insurance, but I’d appreciate it if she’d talk me through it and present me with my options “in case my arm gets chopped off one of these days”.
We had a lovely chat about the trials and tribulations of small business life and neighborhood gossip. Then she showed me that I could acquire disability insurance for as little as $23.13 per month.
Tonight I’ll present my options to my better half and we’ll talk it over while we do laundry and watch Fringe. Being a grown up isn’t always easy, but it’s how things get done…and hopefully done right.