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.