Disability Policy vs. Social Security

If you decide to rely on the Social Security Administration for your disability benefits, you are putting the state of your family in the hands of an already overburdened system with heavy restrictions on the payment of benefits that could hurt your family's financial standings.

Social Security Approval Process


When applying for Social Security disability benefits, your disability must match Social Security's definition of disabled. The Social Security Administration (SSA) will not consider you to be disabled unless you're unable to work in any occupation—not just your own. In addition, your disability must be one which will last at least 12 months or, if less than 12 months, be expected to result in death. These restrictive standards are not reflective of the actual conditions that often prompt an individual to need disability assistance.

Learn more about the benefit waiting period and why you should invest in a disability policy.

Take control of your financial future by investing in the right insurance policies for your risks. Give us a call today at 325-597-4222 and we can get started on designing Texas disability insurance policies that reduce your family’s financial risk in the face of a disability.