Disability Insurance

Disability insurance replaces a portion of your income if illness or injury keeps you from working.  Health insurance only covers medical procedures where a disability insurance policy is there to cover your everyday bills and expenses. There are two main types of disability insurance: short-term disability & long-term disability.

Disability Insurance Income Provides Coverage

Money to help you pay bills if you’re too sick or injured to work
Long-term benefits to help cover chronic or permanent disability
Riders to the policy to cover the rate of inflation​.

Factors that impact the cost of insurance:

Smoking history
State of residence
Occupation type
Coverage amount
Coverage Type
Benefit period
Elimination period

There are two main types of disability definition: own occupation & any occupation.  Own occupation is broadly defined as not being able to perform the occupation you had prior to becoming disabled where Any occupation is broadly defined as not being able to perform any job at all. 

Best Disability Insurance in Dallas Fort Worth

Keen Coverage LLC is a rapidly growing independent insurance agency that is part of a family of companies that help individuals and business owners beyond providing an insurance risk solution. 

At Keen Coverage, we strive to build relationships with our customers by understanding them, their family members, their venture and objectives. Then, we develop a range of personalized solutions to meet the individual needs of each client. With access to the most powerful and competitive insurance companies in the United States, as well as worldwide, we can help you find coverage that is tailored precisely to your circumstances


disability insurance dallas

Keen Coverage

It is our job to shop multiple insurers on your behalf. We will invest the time to get to know you and your family’s background so that we can offer a full insurance plan.  This includes health, life insurance, long term care, disability, business, and surety policies.