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Primary Care Insurance Solutions

Disability Insurance for Houston Employers

Short-term and long-term disability plans for Houston employers.

Your Team's Income, Protected When They Can't Work. Disability insurance replaces part of an employee’s income when a covered illness or injury prevents work, subject to policy terms. Houston employers can compare short-term and long-term coverage. The elimination period is the wait before benefits start; the benefit period is how long payments may continue.

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Partial income
Benefit amount and monthly maximum depend on the policy
Short-term
Waiting and benefit periods vary by policy
Long-term
Duration and disability definition depend on the policy

The case for it

Why Employers Add Disability Coverage

Health insurance pays the doctor. Disability insurance pays the employee. It is the benefit that keeps a household running while someone is out.

  • Income Replacement

    Replaces part of the paycheck when illness or injury keeps an employee off the job, so the bills still get paid.

  • Financial Security

    Gives employees and their families steady ground through a hard stretch.

  • A Faster Return to Work

    Without the stress of a missing paycheck, employees can focus on recovery and come back sooner.

  • An Offer Candidates Notice

    Disability coverage shows you look after your people, which helps you attract and keep good staff.

Short-term and long-term

Short-Term and Long-Term Disability, Side by Side

Both cover an employee who cannot work, and most employers offer them together. They differ on the same three points: when the benefit starts, how much of the salary it replaces, and how long it runs.

  • Short-Term Disability

    Helps replace part of an employee's income during a covered temporary illness or injury. Benefits begin after the policy's elimination period; do not assume they start only after sick leave is exhausted. The replacement percentage, weekly maximum, benefit period and coordination with paid leave vary by policy. Confirm these terms, exclusions and eligibility requirements in the certificate before selecting coverage.

  • Long-Term Disability

    Helps replace part of an employee's income during a covered extended disability after a policy-defined elimination period. It does not automatically begin when short-term benefits end. Compare the replacement percentage, monthly maximum, other-income offsets and benefit period. Some policies change from an own-occupation to an any-occupation definition; the definitions and timing vary. Benefits may last a fixed period or to a specified age, not automatically until retirement. Confirm the exact terms and exclusions in the certificate.

What should employers compare in disability insurance?

The elimination period is the waiting time after a qualifying disability before benefits can begin; the benefit period is how long approved payments may continue. Compare both, the percentage of eligible earnings, benefit caps, offsets for other income, exclusions and pre-existing-condition provisions. No single duration or replacement percentage applies to every policy.

Read the definition of disability, not just the short-term or long-term label. An own-occupation definition evaluates the insured’s ability to perform their occupation; an any-occupation definition may evaluate other work for which they are reasonably qualified. A policy can change definitions after a stated period, and partial-disability rules also vary.

Tax treatment depends on how premiums are paid. Benefits attributable to employer-paid premiums or employee pre-tax contributions are generally taxable; benefits attributable to employee after-tax premiums are generally not. Mixed funding can produce partly taxable benefits. Confirm the arrangement with payroll and a tax adviser using IRS Publication 525, sickness and injury benefits.

Coordinate voluntary worksite benefits with your group health insurance options.

Supporting reading for your decision

FAQ

Frequently Asked Questions

Why should I offer disability insurance to my employees?

Disability insurance provides income replacement and financial security for employees if they become unable to work due to illness or injury, helping them focus on recovery and potentially return to work sooner. It also enhances your company’s attractiveness to potential employees.

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

Short-term disability covers a limited benefit period after a policy-defined waiting period. Long-term disability may pay for a set number of years or to a specified age, not automatically until retirement. Compare elimination periods, benefit periods, disability definitions and exclusions in the actual policies.

What factors should I consider when choosing a disability insurance plan?

Compare the elimination period, income-replacement percentage, monthly maximum, benefit period and definition of disability. Review exclusions, pre-existing-condition limits, offsets for other income and how premium funding affects benefit taxation. Ask for a side-by-side comparison before selecting a policy.

What are "employer-choice" and "employee-choice" models?

Under an employer-choice model, the employer selects the available benefit design. Employee-choice arrangements let employees select among the options the employer and carrier make available. Compare contribution rules, enrollment requirements and any evidence-of-insurability requirements before offering choices.

How can Primary Care Insurance Solutions help me with disability insurance?

Primary Care Insurance Solutions (PCIS) can compare short-term and long-term proposals using your employee census, budget and existing sick-leave benefits. Review waiting periods, benefit limits, exclusions and enrollment requirements together so the coverage fits your workforce. Request a policy comparison.

Reviews

What Our Clients Are Saying

Excellent Service and Great Value! We have had an excellent experience with Primary Care Insurance Solutions. Their pricing is competitive, but what really stands out is their exceptional customer service. Dustin, Kristi, and Jordan always go above and beyond to help our employees with any questions or concerns. They are responsive, knowledgeable, professional, and incredibly efficient. Their quick response and willingness to help make our job much easier and provide our employees with the support they need. We truly appreciate everything they do and highly recommend Primary Care Insurance Solutions to any company looking for great insurance solutions and outstanding customer service!

JORGE ESQUIVEL

As someone new to the HR field, I am incredibly grateful to have trusted partners like Primary Care Insurance. Their expertise in medical benefits has truly made me look like a rock star within my organization! The team works diligently to put together the best package for our company, ensuring that we fully understand all of our options. They take the time to explain everything clearly to our team, which has made a significant difference in our decision-making process. What sets them apart as commendable brokers is their reliability and commitment to our success. They are not just a service provider; they are a trusted partner that genuinely cares about our needs. I couldn't recommend Primary Care Insurance more highly!

Melita Washington

Primary Care Solutions made getting health insurance much easier than I expected. Their team was professional, helpful, and took the time to walk me through different coverage options. They answered all my questions and made sure I understood everything before choosing a plan. The whole process was smooth, and I appreciate how supportive and responsive they were. I would definitely recommend Primary Care Solutions to anyone needing help with health insurance.

Dylan Peltier

I'm happy that I found a company that provided excellent service for my employees and myself. Dustin was very informative and helpful during our initial interest in exploring Primary Care offerings.

eric partida

Primary Care delivered outstanding care and service for both my employees and myself. Other providers fell short of our expectations, but Primary Care presented an unbeatable offer that truly met our needs.

Laura Mosquera

This company deserves nothing but a 5/5 I would give it 6 stars if I could. They’ve done an exceptional job at keeping myself & my employees in good hands when it comes to our health, if there’s any questions or concerns they’re always there to help with no problem.

Gabby Villa

Choosing the right health insurance can be daunting, but my experience was completely different. The advisor I worked with was incredibly knowledgeable and took the time to explain all my options in detail, ensuring I fully understood each plan. They were patient and attentive to my concerns, which made me feel confident in my decision. If you're worried about finding the right coverage, I'd highly recommend seeking their expertise. I now feel secure and satisfied with my plan, knowing it truly meets my needs.

Darrell Hayes

Best decision we have made. Happy to find a company who is willing to go above and beyond for me and my staff. I will recommend them to everyone.

C Anyanwu

Great at what he does! Very knowledgeable and helpful. Won’t disappoint.

Adri

Protect Your Team's Income Before Someone Needs It

Tell us your payroll, your headcount and your budget. We will bring back short-term and long-term options that fit, and explain exactly what each one covers.

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