Texas families enjoy lower taxes and more space. They also carry larger homes, more cars, and more fixed costs than families anywhere else. A disability income policy is what keeps that lifestyle intact.
The gap nobody talks about
Texas is a great state to raise a family. It's also a state with no income tax safety net, no state disability program, and large monthly obligations for most middle-class families.
Unlike California, New York, and New Jersey, Texas has no state short-term disability fund. If your employer doesn't offer LTD, your income stops the day you can't work.
Texas has no income tax, but property taxes average $4,500 to $8,000 per year in suburbs like Plano, Sugar Land, and Round Rock. That's $375 to $665 per month before your mortgage payment.
A survey by the Federal Reserve found that 40% of Americans can't cover a $400 emergency. A 90-day disability is not a $400 problem. Disability income insurance is what stands between your family and that scenario.
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.
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