List of Disability Insurance Types in Texas

Disability insurance in Texas generally comes into play when an employee is no longer capable of performing the basic functions of his or her job as a result of long-term physical deterioration from doing the job or from an unexpected injury while working onsite. In some cases insurance for partial disability is available to those who can only execute the tasks of their occupation in a limited or diminished manner.

Medical Residents

• A specific type of disability insurance exists for students engaged in their residency to become medical doctors in Texas. This form of disability insurance is precautionary, in the event that the resident should become disabled on the job, and also allows for higher limits of coverage than other types of insurance. During the years of a student's residency, as well as during the first few years that the student begins practicing medicine, graded premium disability insurance is available. The premium increases as the years go by in conjunction with the increase of the doctor's salary.

Worker's Compensation

• The state of Texas is required by law to make financial and medical accommodations for an employee that has a proven case of being injured on the job. Depending on the workplace, monetary disbursements are usually made on a weekly basis in compensation for the amount of work hours being missed because of the injury or disability sustained.

Physicians

• Another specialized type of disability insurance is provided for those practicing medicine in the state of Texas. Disability insurance for doctors is often subject to the following criteria:

  How financially stable is the doctor in question? In other words, can he or she afford to pay higher disability insurance premiums?

  The doctor must list "own occupation" as the definition of what constitutes the disability.

  The insurance must make considerations for the physician's chances for recovery from the disability.

Partial Disability

• In some instances of worker's compensation, the employee is deemed by a doctor chosen by the employer to be only partially disabled, meaning he or she can still work in a limited capacity at the job that caused the injury. If, however, performing the same job will further injure or worsen the employee's condition, then the employer is responsible for finding another task for the employee to perform during working hours.