Protect Your Paycheck. Protect Your Lifestyle.
If an injury or illness kept you from working, how long would your savings last? Disability income insurance helps fill that gap — so you can focus on recovery, not panic.
Protect Your Paycheck. Protect Your Lifestyle.
If an injury or illness kept you from working, how long would your savings last? Disability income insurance helps fill that gap — so you can focus on recovery, not panic.
It’s Not Just for High-Risk Jobs. It’s for High-Value Incomes.
If you rely on your paycheck to pay your bills, take care of your family, or fund your business — disability insurance is for you.
Business owners & 1099s
Self-employed professionals
Breadwinners with big responsibilities
Anyone whose lifestyle depends on their ability to earn
It’s Not Just for High-Risk Jobs. It’s for High-Value Incomes.
If you rely on your paycheck to pay your bills, take care of your family, or fund your business — disability insurance is for you.
Business owners & 1099s
Self-employed professionals
Breadwinners with big responsibilities
Anyone whose lifestyle depends on their ability to earn
How it Works
Covers pay check
(up to 65 yrs. old)
Provides income replacement during extended illnesses or injuries
Protects your specific profession — even if you can still work elsewhere
How it Works
Covers temporary disabilities (up to 6–12 months)
Provides income replacement during extended illnesses or injuries
Protects your specific profession — even if you can still work elsewhere
A disability is defined as an employee’s inability to perform the duties of his current position. Paid sick leave and short-term disability plans protect employees against loss of income during temporary absences from work due to illness or accident. Sick leave is provided to most full-time employees, and sickness and accident insurance to a significant but smaller number of full-time employees. Some employees have both sick leave and short-term disability plans, with the two benefits coordinated.
The duration of short-term disability benefits typically ranges from 13 to 52 weeks, although most employees are covered for up to 26 weeks. Short-term disability plans usually specify when successive periods of disability are considered to be separate disabilities and when they are considered to be a continuous disability.
A disability is defined as an employee’s inability to perform the duties of his current position. Paid sick leave and short-term disability plans protect employees against loss of income during temporary absences from work due to illness or accident. Sick leave is provided to most full-time employees, and sickness and accident insurance to a significant but smaller number of full-time employees. Some employees have both sick leave and short-term disability plans, with the two benefits coordinated.
The duration of short-term disability benefits typically ranges from 13 to 52 weeks, although most employees are covered for up to 26 weeks. Short-term disability plans usually specify when successive periods of disability are considered to be separate disabilities and when they are considered to be a continuous disability.
Life Happens. Here’s How Coverage Helps
“I had a client — a 43-year-old dentist — who slipped, tore his shoulder, and couldn’t practice for 7 months. Disability insurance helped him pay his mortgage and staff while he healed. That’s the power of income protection.”
FAQs
What does disability insurance cover?
It replaces part of your income if you can’t work due to illness or injury—helping you pay for housing, food, bills, and daily living expenses.
What’s the difference between short-term and long-term disability insurance?
Short-term: Covers a few weeks up to 6 months.
Long-term: Can last several years or until retirement age.
Who needs disability insurance?
Anyone who depends on a paycheck to cover living expenses. Even young, healthy people can face unexpected illness or injury.
How much does it cost?
Most policies cost 1–3% of your annual income, depending on age, health, occupation, and coverage level.
When do benefits start?
This depends on your policy’s waiting period (often 30–90 days) after becoming disabled.
Are benefits taxable?
If you pay premiums with after-tax dollars, benefits are usually tax-free. Employer-paid policies may be taxable.
How do I file a claim?
Our team will guide you step-by-step through the process.
👉 Still have questions?
Contact or Book A Call with Caballaro Agency today and let us help you choose the right coverage.
When Do Disability Income Insurance Benefits Begin?
Disability income insurance helps protect your income if you’re unable to work due to illness or injury. Before benefits begin, most policies include a waiting period—typically 30 to 90 days—during which you may rely on savings, sick leave, or other short-term support.
Once the waiting period ends and the condition meets the policy’s definition of disability, you may start receiving payments. These benefits usually replace up to 60% of your gross income, helping cover essentials like rent, bills, and daily expenses.
Many plans also offer optional features, such as cost-of-living adjustments or future coverage increases, allowing the policy to grow with your needs.
Disability income insurance offers more than just a paycheck—it provides peace of mind when life takes an unexpected turn.
Let’s Build a Safety Net You Can Count On
There’s no substitute for your income — let’s make sure it’s protected.
Let’s Build a Safety Net You Can Count On
There’s no substitute for your income — let’s make sure it’s protected.
secure affordable
disability insurance now
GET YOUR FREE QUOTE NOW!
No binding commitments, completely free!
(281) 660-8741
1800 West Loop South Ste 1700
Houston, TX 77027
