Question 1

What's the difference between short-term and long-term disability insurance?

Accepted Answer

Short-term disability replaces a portion of income for a few weeks to a few months — typically for recovery from injury, illness, or childbirth. Long-term disability kicks in after that and can last years if a serious condition keeps someone out of work. Many employers offer both, often funding short-term and offering long-term as voluntary.

Question 2

Do we have to pay for disability insurance, or can employees?

Accepted Answer

Either is possible. Employers often fund short-term disability, while long-term disability is frequently offered as a voluntary (employee-paid) benefit at group rates. We'll show you both structures and the cost difference so you can choose what fits your budget.

Question 3

How do wellness programs lower our costs?

Accepted Answer

Wellness programs aim to keep employees healthier — through screenings, coaching, and preventive care — which can reduce claims over time and stabilize premiums at renewal. Results vary, but even modest participation can improve morale and reduce absenteeity. We help you pick programs that fit your team.

Question 4

Is disability insurance required in Texas?

Accepted Answer

Texas does not require employers to offer private disability insurance, though some industries and contracts may. Many employers offer it because it's a valued benefit that protects employees and can reduce turnover. We'll confirm any requirements that apply to your situation.

Question 5

Can disability benefits coordinate with workers' comp?

Accepted Answer

Yes — they're designed to cover different situations. Workers' comp covers work-related injuries and illnesses; disability covers non-work-related conditions. We coordinate both so your team is protected regardless of how an injury or illness happens.

Wellness and disability programs for small and mid-sized employers

For employers who want to protect — not just insure — their people

Hands-on teams

Cost-conscious

Retention-focused

Protection and prevention, together

Short-term disability

Long-term disability

Wellness programs

Health screenings

Employee support

Cost control

Design a program that fits your team

Review your team

Design the program

Launch & engage

Protection that pays off over time

Income protection

Prevention first

Employee education

Cost stability

Carriers we work with

Wellness and disability questions, answered

Complete your protection

Workers' Compensation Insurance

Group Health & Dental Insurance

Let's build a benefits package your team will thank you for.