Disability Coverage
Protect Your Income, Protect Your Future
Your ability to earn an income is your greatest asset. What would happen if an injury or illness prevented you from working for months—or even years? Personal disability insurance ensures that you and your loved ones can maintain financial stability when life takes an unexpected turn.
Why Disability Insurance Matters
Most Americans are more likely to become disabled than die during their working years.
Health insurance covers medical bills, but not your everyday expenses.
Without income protection, mortgage payments, groceries, utilities, and even your children’s future can quickly become a burden.
Disability insurance acts as a financial safety net, replacing a portion of your income so you can focus on recovery—not bills.
How Disability Insurance Works
When you’re unable to work due to an illness or injury, your policy provides monthly benefit payments. These benefits can help cover:
Mortgage or rent
Utilities and household bills
Groceries and daily living expenses
Childcare or tuition
Retirement contributions
Ready to get covered? Click below to call us now!
Who Needs Disability Insurance?
Disability coverage is especially important for:
Working professionals who rely on their paycheck to support their lifestyle
Families with children who depend on a single or dual income
Self-employed individuals or small business owners without employer benefits
Homeowners who want to make sure the mortgage is always covered
Types of Disability Coverage
Short-Term Disability Insurance
Duration: A few weeks up to 12 months
Purpose: Covers temporary conditions like recovery from surgery, accidents, or childbirth
Benefit: Replaces a portion of your paycheck so you can handle everyday bills during recovery
Best For: Employees without much paid sick leave
Long-Term Disability Insurance
Duration: Several years, often to retirement age
Purpose: Protects against extended illnesses or injuries that keep you out of work for years
Benefit: Ensures you and your family stay financially stable for the long haul
Best For: Families or professionals who rely on long-term income security
Own Occupation Coverage
Duration: Can be short or long term
Purpose: Pays if you can’t perform the specific duties of your trained occupation—even if you can work elsewhere
Benefit: Maintains your income standard if you can’t do the job you trained for
Best For: Specialists (doctors, lawyers, contractors, business owners) who need to protect their exact skill set
Why Stratton Insurance Agency?
At Stratton Insurance Agency, we help Texans protect their income and their families with customized disability insurance solutions. We work with trusted carriers like Nationwide Life, American National, American General, GBU Life, and American Amicable to find the right plan at the right price.
No confusing jargon
Affordable options that fit your budget
Fast, hassle-free application process
Your paycheck powers your lifestyle. Don’t leave it unprotected.
Get a Free Quote Today
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