Houston's workforce runs on physical labor and long hours. An injury or illness can sideline a pipeline worker for months — sometimes years. Short-term and long-term disability protection keeps the income flowing when the body can't.
Three reasons Houston income protection clients trust us with their families.
Houston's energy, petrochemical, and logistics sectors carry injury risk not found in office work. Disability income protection fills the gap that workers' comp often doesn't — covering illness, not just on-site injury.
The Texas Medical Center is a world-class recovery resource — but it doesn't replace your income while you're recovering. A disability policy does.
Houston's small business ecosystem is massive. Business Overhead Expense disability coverage keeps your operation running — payroll, rent, utilities — while you're on the sidelines.
Three tiers of coverage — choose what fits your Houston life and budget.
Workers' compensation only covers injuries that happen on the job. Disability income protection covers illness, off-the-job injuries, and conditions that develop over time — none of which workers' comp addresses.
Short-term disability policies typically pay for 6–24 months. Long-term disability policies can pay to age 65. You choose the benefit period when you apply.
The elimination period is the waiting period before benefits begin — typically 30, 60, or 90 days. A shorter elimination period means a higher premium. Most Houston advisors recommend 90 days if you have 3 months of savings.
Yes. Individual disability policies are specifically designed for self-employed workers, contractors, and small business owners. Coverage is based on your documented income.
SSDI averages 3–5 months to approve, and approximately 67% of initial applications are denied. Private disability coverage activates in 30–90 days. Relying on SSDI alone is a significant financial risk.
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 Harris County