1 in 4 Texas workers will face a disabling condition before retirement. Income protection insurance replaces your paycheck when illness or injury keeps you from working.
Disability income insurance — sometimes called income protection insurance — pays you a monthly benefit (typically 50–70% of your pre-disability income) if you can't work due to illness or injury. Think of it as insurance for your most valuable asset: your ability to earn.
Covers 3–6 months of income after a short waiting period. Ideal for surgeries, maternity leave, or acute illness. Pays quickly when you need it most.
Best for: Emergency income bridgeReplaces income for years — or until retirement — after a 60–90 day elimination period. Designed for serious illness, injury, or chronic conditions that keep you out of work long-term.
Best for: Serious illness or injuryIndividual disability policies designed specifically for Texas freelancers, contractors, and business owners. No employer required. Benefits paid tax-free when premiums paid with after-tax dollars.
Best for: Self-employed TexansIf your family depends on your income, you need disability insurance. Full stop.
Physical injury risk is high. No work = no paycheck.
Burnout, repetitive strain, and mental health are covered.
Own-occupation policies protect your specific specialty.
No employer safety net. DI is your personal income floor.
If your income stops, your family's stability stops.
Lock in low rates now. Rates rise with age and health changes.
When you're self-employed, there's no HR department, no group disability plan, and no paid sick leave. If you can't work, the business stops — and so does the income.
Illustrative example only. Actual premiums vary by age, occupation, and health class.
Tower Hill works with top-rated carriers — A+ to A++ (Superior) — to offer multiple disability income solutions for every occupation and budget.
Fast income protection with no medical exam and no income verification required. Designed for workers who need an immediate income bridge after accident or short-term illness.
The gold standard long-term DI product from our carrier network. True own-occupation definition available for professional classes. Benefit periods extend to age 70.
A solid long-term DI option with competitive benefit amounts and an optional Critical Illness Benefit Rider — ideal for clients who want LTD without the premium cost of Income Protection Plus.
Designed for Texans who have been declined for standard disability insurance. Sickness benefits start at 35% in Year 1, scale to 70% in Year 2, and reach 100% in Year 3+. Accident pays full benefit from Day 1.
Disability insurance (also called disability income insurance or income protection insurance) replaces a portion of your income — typically 50–70% — if you become unable to work due to illness or injury. It protects your paycheck when your health fails, covering mortgage payments, groceries, and everyday bills.
Short-term disability insurance typically costs 1–3% of your annual income. A Texas professional earning $60,000/year might pay $50–$100/month for a solid short-term policy. Long-term disability is more comprehensive and can cost 2–4% of annual income. Your rate depends on your occupation, income, benefit period, and elimination period.
Yes — and you should. Self-employed Texans have no employer group plan as a safety net. Individual disability insurance through Tower Hill covers freelancers, independent contractors, sole proprietors, and small business owners. Benefits are often tax-free when you pay premiums with after-tax dollars.
Short-term disability typically replaces income for 3–6 months after a brief elimination period (0–14 days). Long-term disability kicks in after 60–90 days and can pay benefits for 2 years, 5 years, 10 years, or until retirement age. Most financial advisors recommend pairing both for complete income protection.
Many modern disability policies — including those available through Tower Hill — cover mental health conditions like depression, anxiety, and burnout that prevent you from working. Check specific policy language, as some plans cap mental health benefits at 24 months.
The statistics are stark: the Social Security Administration estimates 1-in-4 workers will experience a disabling condition before retirement. The average long-term disability claim lasts nearly 3 years. Without income protection, most families burn through savings in months. For Texas workers with dependents or a mortgage, disability insurance is one of the most important coverages you can own.
A free quote takes under 2 minutes. A licensed Tower Hill advisor can help you choose the right elimination period, benefit amount, and term for your situation.
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