Texas is one of a handful of states with no state disability insurance program. If you become disabled in Texas, the only income you have is what you arranged in advance — employer LTD, individual DI, and savings.
The gap nobody talks about
Texas professionals have no state disability safety net. The gap between employer LTD and actual income is where financial resilience breaks down.
Texas has no state-funded disability insurance. If you become disabled, Social Security Disability (which averages $1,300 per month and takes months to process) and your employer LTD are the only public protections. Individual DI is your private backstop.
Texas professionals in energy, oil and gas, and tech face income volatility from market cycles. A disability on top of a contract downturn creates compounding income risk. Individual DI is portable and unaffected by industry cycles.
Texas homeowners pay no income tax, but property taxes average 1.8% to 2.5% of assessed value. A $400,000 home generates $7,200 to $10,000 per year in property taxes that must be paid regardless of disability status.
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.
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