Help protect your employees' income when they need it most.

Disability Insurance Protects Your Employees' Income When They Need It Most

An unexpected illness or injury can impact more than a person's health. It can also affect their ability to earn a paycheck. Disability insurance helps replace a portion of an employee's income if they're unable to work due to a covered illness or injury, providing financial security while they focus on recovery.

Call (210) 410-0472

Written and reviewed by Jordan Schwabe, licensed independent insurance broker serving New Braunfels, Texas. Last reviewed August 3, 2026.

The case for it

Why Offer Disability Insurance?

Whether you're looking to offer employer-paid disability insurance or voluntary employee-paid coverage, we'll help you find the right solution for your business and your employees.

For most employees, their paycheck is their family's primary source of income. Disability insurance helps protect that income when the unexpected happens, giving employees peace of mind and helping them stay financially stable during a difficult time.

Offering disability insurance can help your business:

Strengthen your employee benefits package
Attract and retain quality employees
Provide valuable financial protection
Demonstrate your commitment to employee well-being
Offer an affordable, high-value benefit

The first layer

Short-Term Disability Insurance

Short-term disability insurance provides income replacement for employees who are temporarily unable to work due to a covered illness, injury, surgery, or pregnancy. Benefits typically begin after a short waiting period and continue for a defined period based on the policy selected.

Common reasons employees use short-term disability include:

Illness
Injury
Surgery recovery
Pregnancy and childbirth
Other qualifying medical conditions

The second layer

Long-Term Disability Insurance

Long-term disability insurance provides continued income protection for employees whose disability extends beyond the short-term benefit period.

Depending on the policy, benefits may continue for several years, or even until retirement age, helping employees and their families maintain financial stability during a prolonged recovery.

How you structure it

Flexible Coverage Options

Every business has different goals and budgets. We'll help you compare disability insurance options that align with your overall employee benefits strategy.

Coverage options may include:

Employer-paid disability insurance
Voluntary employee-paid coverage
Short-term disability
Long-term disability
Flexible waiting periods
Various benefit durations
Multiple insurance carriers

We'll explain the differences and help you build a program that's right for your business.

Working with Jordan

Why Choose Clear HealthPlan Advisors?

Choosing employee benefits shouldn't be complicated.

When you work with us, you'll receive:

Personalized recommendations based on your business
Access to multiple insurance companies
Straightforward guidance without confusing insurance jargon
Ongoing support throughout the year
A trusted advisor committed to helping your business succeed

Our goal is to help you build an employee benefits package that supports both your employees and your long-term business goals.

Questions

Disability Insurance questions

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

Short-term disability generally provides income replacement for temporary disabilities lasting weeks or months, while long-term disability is designed for illnesses or injuries that prevent an employee from working for an extended period.

Can employees purchase disability insurance on their own?

Yes. Many employers choose to offer disability insurance as a voluntary benefit, allowing employees to elect coverage through convenient payroll deductions. Employers may also choose to contribute toward the cost or fully pay for coverage.

Is disability insurance a worthwhile employee benefit?

Absolutely. Disability insurance is one of the most valuable financial protection benefits an employer can offer. It helps employees safeguard their income while strengthening your overall benefits package and supporting recruitment and retention efforts.

Let's Build a Better Benefits Package

Whether you're creating a benefits program for the first time or enhancing your current offerings, we're here to help you evaluate your options and build a disability insurance program that fits your business.

Call (210) 410-0472