Texas has no state disability insurance. If you can't work for six months, your income stops completely. Private disability coverage is the only backstop you have.
The gap nobody talks about
The African professional community in Houston and Dallas is growing fast. Most are self-made, with real income and real obligations. Few have private disability income coverage.
New York, California, and New Jersey all have state short-term disability programs. Texas has none. If you become disabled, your only fallback is whatever your employer provides or whatever you've arranged privately.
Most diaspora professionals in Texas didn't inherit wealth or connections. You built your income through years of hard work. A disability policy protects that income so a health event doesn't erase what you've built.
Group disability policies replace 60% of base salary for a defined period. They exclude bonuses, commissions, and self-employment income. And they end when your employment does.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
Or fill out the form below and I'll reach out to schedule.
Tell me a bit about your situation and I'll be in touch within 24 hours.
Common questions