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DISABILITY INSURANCE



Insurance & Financial Services of Texas is a broker for all the top disability income providers. It may be possible that your employer does not offer any disability protection plans, and due to the nature of your injury, you may not qualify for any of the social insurance programs. If this is the case, or your current employer-provided protection will not provide you with enough income to meet your family’s needs, you may want to talk to an insurance agent about an individual disability income insurance policy.

An individual disability policy is the best way to protect your income from the risk of a disability. An individual policy will usually only allow you to insure 50 percent to 70 percent of your income. There is a limit because insurers do not want you to make more money when you are disabled than when you are working. If you did, there wouldn’t be much incentive to return to work when you are able.

Most disability insurance companies will offer short-term and long-term individual disability policies. Think about how long you will need benefits if you are disabled. Many people believe that having both short and long-term protection is important to their financial security.

Social Security has a very strict definition of disability. It will pay no benefits for a partial or a short-term disability. Social Security will consider you disabled if:

  • You cannot do the work you did before and it is decided that you cannot adjust to other work because of a medical condition. In addition, your disability must last or be expected to last for at least a year or result in your death

To qualify for Social Security disability benefits, you must have worked long enough and recently enough while paying into Social Security. You can earn up to a maximum of four work credits per year. Generally you need 20 credits earned in the past ten years, ending with the year you become disabled.

Also be aware that if you do receive benefits under Workers’ Compensation, your Social Security Benefits will be reduced.

Because of the difficulty in qualifying for Social Security disability benefits, it is wise to use other methods to protect yourself from the risk of a disability.

 
 


 
 
       
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