Our Insurance for Disabilities

Say you are injured at work or at home and can no longer provide for yourself or your family? Disability insurance comes in where your health insurance or homeowners insurance is unlikely to cover any losses associated with lost wages.

Does Texas Require Insurance for Disability?

A few states require employers to provide disability insurance by law. Texas is not among them, although some employers may choose to take it out. State law may require some provisions for group disability policies that are sold by insurers located in Texas.

For more on disability insurance law, see the Texas Administrative Code, Chapter 28.

disability insurance in texas

Types of Disability Insurance

Unfortunately, injury and illnesses happen. They aren’t always covered by your employer, and you may not have a way to provide for you and your family in the mean time. Social Security may help, but they tend to deny up to 70% of disability claims.

We at the Charles Osburn Insurance Agency can help you determine which type of disability insurance is right for you if you live in or around Houston or anywhere in the state of Texas.

Short Term Disability Insurance

A short-term disability insurance policy covers you if you are unable to work due to a total disability such as an injury or illness. The policy provides lost income protection that allows you to pay for your monthly expenses including mortgage, rent, utilities, groceries, loans, and more.

Short term insurance policies are designed especially for a specific period of time. Many providers offer one or three year coverage periods. Your monthly benefit should you need can be anywhere from $300 to $3,000 depending on your current income, type of policy chosen, etc.

Long Term Disability Insurance

Long term insurance is similar to short term but differs as to when benefits begin and for how long. It typically begins after a designated elimination period, or waiting period. It is usually 90 days but can be up to 180 or even 360 days.

Short term and long term insurance are not designed to be used at the same time. Long term insurance may not begin for three to six months, but benefits can last for years. In fact, the average long term insurance claim lasts for about three years.

Some employers may offer long term and short insurance. However, we recommend individuals go with long term because it is less expensive when you are young and can be transferred from job to job.

How It Works

  • 1. Contact Us

    Fill out our form, give us a call, or send us an email with your information.

  • 2. Research

    We research all the leading and lesser known insurance companies.

  • 3. Analyze

    We contact you at your convenience via the method of your choice with your best options.

  • 4. Choose

    We help you make the best decision for your needs and even sign you up!

  • 5. Pay

    Let us know your payment preferences: monthly, yearly, etc and we will do the rest!