San Antonio's veteran community often assumes VA disability compensation replaces lost civilian income. It doesn't — VA disability is based on military impairment ratings, not civilian earning capacity. If a service-connected injury sidelines a veteran from their civilian career, private income protection fills a gap the VA can't.
Three reasons San Antonio income protection clients trust us with their families.
VA disability pays based on your disability rating — not your civilian salary. A 70% rating doesn't mean 70% of your salary. Private income protection bridges the gap between what VA pays and what your San Antonio family actually needs.
Veterans who transition to civilian careers in San Antonio's healthcare, tech, or government contracting sectors face income exposure not covered by VA benefits. A private disability policy protects the career you built after service.
Unlike VA claims, private disability coverage is issued quickly — often within days. Tower Hill advisors help veterans navigate pre-existing condition questions so you know exactly what's covered from day one.
Three tiers of coverage — choose what fits your San Antonio life and budget.
VA disability is excluded from earned income calculations. Private disability coverage is based on your civilian salary — the income you'd lose if you couldn't work in your current civilian role.
Often yes. Some conditions may be excluded from coverage or result in a higher premium, but service-connected conditions don't automatically disqualify you. Tower Hill carrier network evaluates each veteran individually.
Private disability supplements VA compensation with no offset between the two in most cases. They're completely separate programs — private coverage adds to your VA benefit, it doesn't replace it.
Short-term disability: up to 24 months. Long-term disability: to age 65 or as specified in your policy. You choose the benefit period when you apply.
Yes. GS employees and federal contractors have some government disability programs, but waiting periods and coverage gaps are common. A private policy fills those gaps and provides faster activation.
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