Texas Disability Law - Insurance

Texas Law

• Provides that an insurance company can not deny, limit coverage, charge more for coverage, or refuse to renew a policy, unless the company is able to prove that a person with a disability presents a higher risk.
• Requires that risk must be established based on valid evidence and the company may not reject a person with a disability if the risk is no greater than that of other consumers they are willing to insure. Contact your company or insurance agent in writing and ask for reasons for policy or claim denials.

Texas Legal Citation

• Unfair Discrimination:
  Texas Insurance Code, Chapter 544.001

Contact

• Texas Department of Insurance
  (800) 252-3439
  
• Office of Public Insurance Counsel
  (512) 322-4143

For More Information

• Texas Department of Insurance (English)
  Texas Department of Insurance (Spanish)
  (800) 252-3439
  "Insurance for Texans with Disabilities" brochure (available in English and Spanish)
  

Relevant Federal Laws

• Americans with Disabilities Act:
  U.S. Department of Justice
  (800) 514-0301; (800) 514-0383 (TTY)
  
• Equal Employment Opportunity Committee
  (800) 669-4000 (800) 669-6820 (TTY)