Let’s get straight to the heart of it. You’re driving home, a normal day in Frisco traffic. Then boom—an accident. You survive. Bruised, maybe broken, but alive.
Weeks pass. You’re healing.
But here’s the part nobody talks about: your paycheck stopped showing up.
And the rent? Still due. Groceries? Still needed. Bills? Oh yeah—they keep coming.
That’s when most people start Googling things like:
- “What insurance pays if I’m injured and can’t work?”
- “How can I pay my bills after an accident?”
- “Does health insurance cover lost income?”
And the answer is pretty simple: disability insurance.
If you live in Frisco or anywhere across North Texas, this article is your guide to understanding exactly what disability insurance is, what it does, and why most people don’t think about it until it’s too late.
Here’s What People Are Saying About The Agent’s Office®
What Is Disability Insurance, Really?
It’s not just for “disabled” people in the way you might imagine. Disability insurance is income protection for anyone who suddenly can’t work due to a serious illness or injury.
It’s like a paycheck that shows up even when you can’t.
You may see it offered in two forms:
- Short-term disability insurance: Covers temporary issues (e.g., broken bones, surgeries) and usually kicks in quickly—but ends in 3 to 6 months.
- Long-term disability insurance: Covers serious conditions that could last for years—think cancer, chronic illness, or a major accident.
Whether you’re a plumber in Plano, a teacher in Frisco, or a tech worker in McKinney, if you rely on your income to live (spoiler: you do), this insurance matters.
💡 Related: What is a car insurance deductible? – Learn how deductibles work and how they affect out-of-pocket expenses if you’re ever in an accident.
Does Health Insurance Cover Lost Income?
This is a big one: Disability insurance doesn’t cover your medical bills. That’s what health insurance is for.
What it does cover is the cash you would have brought home.
Depending on your policy, it may pay:
- 60% to 80% of your regular paycheck
- Monthly benefits while you’re unable to work
- Coverage whether your injury happened on or off the job (if privately purchased)
It helps you pay your:
- Rent or mortgage
- Utilities and groceries
- Car payments
- Daycare or tuition
- Insurance premiums
In short: It keeps your life from falling apart while your body is trying to heal.
What Insurance Helps If I Can’t Work Temporarily?
Let’s break it down:
- Short-term disability insurance: Covers you for a few weeks to a few months. Usually through an employer.
- Long-term disability insurance: Picks up where short-term ends. Can last years, even until retirement.
- Accident insurance: Pays you a lump sum for specific injuries but doesn’t replace income.
If you’re in Frisco or the surrounding North Texas areas, many employers don’t offer these plans—especially not the long-term disability coverage. So it’s often something you need to secure yourself.
Can I Get Disability Insurance If I’m Self-Employed?
Yes, and you definitely should.
If you’re a contractor, gig worker, business owner, or even a real estate agent, there is no company payroll to protect you.
That means if you get sick or injured and can’t perform your work, your income just vanishes.
And in places like Frisco, where self-employment is booming and new businesses pop up weekly, protecting your income isn’t just smart—it’s necessary.
🎯 Also Read: 7 Businesses That Need Commercial Auto Insurance The Most in Frisco, TX – If you’re self-employed and drive for work, don’t skip this read.
How Much Does Disability Insurance Pay?
Typically, disability insurance pays 50% to 70% of your regular income, depending on your policy.
Let’s say you earn $5,000/month. A long-term disability policy might pay you $3,000 to $3,500/month if you’re unable to work due to injury or illness.
That’s real breathing room. That’s the difference between panic and peace of mind.
How Much Does Disability Insurance Cost in Texas?
Cost depends on your age, job type, and how much coverage you want. But on average:
- $30 to $60/month for basic individual coverage
- More for high-risk jobs (construction, roofing, etc.)
Think of it like this: You’re spending the cost of one nice dinner to protect your entire income.
Real Talk: What If I Never Use It?
That’s the point.
You don’t buy fire insurance hoping your house burns down. You get it because if that day ever comes, you’re not financially ruined.
Same goes for disability coverage.
You insure your car, your house, even your phone.
So why not your paycheck?
Frisco Case Example: A Life-Changing Wake-Up Call
Jake, a 38-year-old contractor from McKinney (just minutes from Frisco), slipped off a ladder while working on a roof. Compound ankle fracture. Out of work for 10 months.
He had health insurance.
But no disability insurance.
He lost his income. His family had to move into his in-laws’ home temporarily.
All of that could have been prevented with a $40/month long-term disability plan.
Do I Still Need Disability Insurance If I Have Life Insurance?
Yes, because life insurance pays your loved ones if you die.
Disability insurance pays you if you live.
And most people are far more likely to become disabled before retirement than they are to pass away unexpectedly.
🙋♂️ Start Here: When should I buy life insurance in Frisco? – The timing might surprise you.
Disability Insurance vs. Accident Insurance: What’s the Difference?
- Disability insurance = Monthly income while you can’t work
- Accident insurance = One-time payout for specific injuries (broken bone, stitches, etc.)
They’re not the same. You might want both—but if you have to choose? Go with income protection first.
Q&A Section
What is disability insurance and how does it work? It replaces part of your income if you’re unable to work due to illness or injury.
How much does income protection cost in Texas? Anywhere from $30–$60/month for individuals, depending on your risk profile.
Will it cover mental health issues or stress-related leave? Many policies do. Check specific language and exclusions.
Can I get it if I’m self-employed? Absolutely. It’s one of the most important coverages for entrepreneurs.
How do I get started? Speak to an independent agency like The Agent’s Office® to explore options tailored to you.
Get a hassle-free quote today.
Our experts make getting a quote quick and easy.
Final Thoughts: Your Paycheck Is Your Greatest Asset
You insure your house. Your car. Your phone.
But if your income disappears, everything else goes with it.
Disability insurance isn’t just a policy—it’s peace of mind for the what-ifs.
And if you live in Frisco or anywhere in North Texas, our team at The Agent’s Office® has access to top-rated A+ carriers that specialize in affordable, custom income protection plans.
Don’t wait until it’s too late.
Protect your income today.
Request a free quote. Ask a question. Or just leave a comment if something here struck a nerve.
We’re listening—and we’re here to help.
