Disability Insurance – Protect Your Income

Your income is your greatest asset

An illness or injury can pause your paycheck even as bills continue—mortgage, childcare, utilities. Disability insurance provides a portion of income so you can focus on recovery, not cash flow. Wealth Strategies builds an income protection plan that fits Austin-area costs and your household budget.

Types of disability coverage

Long-term disability (LTD)

Begins after a waiting period and can last for years or until retirement age—critical for higher earners or single-income households.

Short-term disability

Covers the initial weeks or months. If work doesn’t provide it—or coverage is thin—we can help you evaluate options.

Individual vs group policies

If employer coverage is limited, individual policies can add benefits or stronger definitions—especially valuable for self-employed professionals.

How We Help

Our disability insurance services

Needs assessment

We determine an appropriate monthly benefit and benefit period by reviewing expenses, savings, and other safety nets.

Policy selection


We explain key features—elimination period, own-occupation definitions, partial disability riders—so you choose with confidence.

Integrating with employer coverage


Have group benefits through work? We analyze gaps and coordinate supplemental coverage.

For business owners


We’ll discuss Business Overhead Expense or disability buy-sell policies to keep the lights on if you can’t work.

A man is sitting at a table holding a glass of wine.

Keep long-term goals on track

Disability insurance works alongside emergency savings and financial planning to help your family stay on course. For later-life care needs, we can also explore long-term care options so every stage is addressed.

Take the Next Step

Get a personalized quote

Bring your benefits summary and questions. We’ll review what you have, identify gaps, and provide clear, competitive options.