Dallas is headquarters to more Fortune 500 companies than any other Texas city. But those corporate jobs come with a risk most employees ignore: your employer's short-term disability coverage is often minimal, and FMLA is unpaid after 12 weeks. Tower Hill fills that gap.
Three reasons Dallas income protection clients trust us with their families.
Dallas Fortune 500 employers often provide 60-day short-term disability at 60% of salary — then stop. A private long-term disability policy extends coverage to age 65 in an employer-independent policy you keep regardless of job changes.
Dallas attorneys, surgeons, engineers, and executives need own-occupation disability coverage — which pays even if you could do a different job. Group plans rarely offer this definition. Individual policies do.
Individual disability policies are portable. If you leave your Dallas company, your coverage stays with you — no new underwriting, no waiting period restart, no loss of coverage history.
Three tiers of coverage — choose what fits your Dallas life and budget.
Typically no. Group plans cover 60% of base salary, capped at a monthly maximum — and if your employer pays the premium, your benefits are taxable. A private policy supplements the gap with tax-advantaged benefits.
Own-occupation disability pays if you can't perform the specific duties of YOUR job — not just any job. A Dallas surgeon who can no longer operate but could technically work as a consultant would still collect full benefits.
Short-term disability: 6–24 months. Long-term disability: to age 65. You choose the benefit period when you apply. Most Tower Hill advisors recommend coordinating both short- and long-term coverage.
The elimination period — typically 30, 60, or 90 days — is the waiting period before benefits begin. Longer elimination periods mean lower premiums. If you have 90 days of savings, a 90-day elimination period often makes financial sense.
Yes. Individual disability insurance is specifically designed for self-employed and contract workers. Coverage is based on documented income from your tax returns, typically replacing 60–70% of your average monthly earnings.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
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Tower Hill Corp • TX License #2608479TX • Licensed in Dallas County