Disability Income Insurance Texas
Your Income Is Your Biggest Asset. What Happens If You Can’t Work?
Your mortgage does not pause. Your car payment does not pause. If a disability keeps you out of work for weeks or months, disability income insurance replaces 60 to 70 percent of your paycheck so life does not fall apart.
Short-Term Disability
Covers your income from day one or after a short waiting period. Ideal for self-employed Texans, gig workers, and anyone whose employer does not offer disability benefits. Benefits paid weekly while you recover.
Long-Term Disability
If you are out of work for more than 90 days, long-term disability takes over and pays monthly until you return to work or reach retirement age. Protects your biggest financial asset — your paycheck.
Own-Occupation Coverage
The gold standard in disability protection. Own-occupation pays your benefit if you cannot perform your specific job — even if you could work a different one. Critical for professionals and skilled tradespeople.
1 in 4 Workers Will Experience a Disability Before They Retire. Most Have No Coverage.
We shop 130+ carriers through Back9 to find you the best disability plan at the best rate. Apply online in minutes.
David Gustafson — Licensed Texas Insurance Advisor
Free consultation. Disability insurance is often overlooked until it is too late. Let me show you how affordable it is to protect your paycheck today.