Austin's tech and startup economy runs on potential. But if an illness or injury sidelines you for 6 months, potential doesn't pay the $3,400/month mortgage. Individual disability income protection fills the gap that employer benefits, startup equity, and vesting schedules never will.
Three reasons Austin income protection clients trust us with their families.
Austin's freelance and gig tech workers often have no employer disability safety net at all. An individual disability policy is the only thing standing between an injury and financial collapse.
At $3,400/month in mortgage alone, Austin's cost of living means a disability event becomes a financial emergency faster than almost anywhere else in Texas. Coverage must be sized for Austin costs.
Individual disability policies travel with you — from startup to FAANG to consulting, your coverage is intact. Premiums are locked at your health class and age at issue.
Three tiers of coverage — choose what fits your Austin life and budget.
Short-term disability is common at established Austin tech firms. Long-term disability is often inadequate or entirely absent at startups and smaller companies. Individual coverage fills the gap.
Individual policies are yours to keep — they go nowhere when you change jobs. Group policies end with the employment. Austin's frequent job-hopping makes individual coverage especially important.
Based on your documented income from tax returns, typically your average monthly net income over the prior 1–2 years. Coverage is usually 60–70% of that figure.
Yes — the elimination period is typically 30, 60, or 90 days. For Austin workers with 3+ months in savings, a 90-day elimination period reduces premiums significantly.
Many policies cover mental and nervous disorders for a defined benefit period — typically 24 months for outpatient treatment, longer for inpatient. Your Tower Hill advisor will confirm the specific terms for your policy.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
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