Licensed
Licensed Texas Insurance Agent
Private Benefits Audit Desk
The Income Your Benefits May Not Protect.
A confidential executive review of disability income, life, and health coverage gaps for Austin professionals who need to know what their employer plan actually protects — and what it may leave exposed.
LicensedTexas insurance agent
PrivacyNo employer contact
ReviewPrivate audit request
StandardNo obligation
Built for Austin tech, semiconductor, medical, executive, sales, consultant, business owner, and self-employed professionals.
Audit Active
ABA / Private Scan
Executive Review Sheet
Income Exposure Snapshot
Confidential
Salary$185,000
Bonus / RSUs$72,000
Group LTD Cap$10,000/mo
Potential GapScanning
Risk Level
Severe
Audit Lens
Definitions, caps, waiting periods, portability.
Privacy
No Employer Contact
Review
Private Audit Review
Commitment
No Obligation
DI Gap Calculator
Estimate Your Disability Income Gap.
Estimate how much monthly income may be exposed if sickness or injury prevents you from working. Use this private scan to identify potential gaps before requesting a confidential review.
This calculator is for educational purposes only. Actual benefits depend on your employer plan, covered earnings definition, policy terms, tax treatment, limitations, exclusions, underwriting, and carrier approval. This tool does not provide tax, legal, financial, or insurance advice.
Benefits Gap Tools
Use the Private Review Tools Before You Book.
These interactive resources help you pressure-test your employer benefits, income exposure, and coverage clarity before requesting a confidential review.
Educational, private, and self-guided.
No medical records, Social Security number, or employer contact required. Use the tools first, then decide whether a private review makes sense.
No medical records, Social Security number, or employer contact required. Use the tools first, then decide whether a private review makes sense.
10 Minutes
Employer Benefits Audit Checklist
Walk through the key questions most professionals never check until they need the coverage.
- Review LTD percentage, cap, waiting period, and taxable-benefit questions.
- Check whether bonus, commission, RSUs, or self-employment income may be exposed.
- Create a clean list of items to verify before your private review.
Best for visitors who want to understand their employer benefits before speaking with anyone.
Scorecard
Benefits Gap Scorecard
Get a fast clarity score and identify where potential exposure may exist across income, benefits, and household cash flow.
- See your Benefits Clarity score and Potential Gap Pressure score.
- Flag monthly caps, waiting periods, taxable benefits, and income-definition issues.
- Copy or print your summary before requesting a private audit.
Best for professionals who want a quick read on how clearly they understand their current coverage.
Founder Message
Why I Built Austin Benefits Audit
Most professionals know their salary. Far fewer know whether their disability income, life, and health benefits actually protect their full compensation. This short founder message explains the private review process and why the first step is the DI Gap Scan.
Private Process
No employer contact. No pressure. No obligation.
Review Focus
Monthly caps, waiting periods, taxability, and covered income definitions.
Best Fit
Austin professionals with income, family, mortgage, or business exposure.
First Step
Run the private DI Gap Scan before requesting a deeper review.
A Private Review Led by a Licensed Professional
Jesus Escamilla is a licensed Texas insurance agent focused on helping professionals identify potential gaps in disability income, life, and health coverage. His audit approach is calm, private, and plain-English — designed to help clients understand where exposure may exist before they make decisions.
His background includes healthcare recruiting, clinical staffing, client consultation, and leadership roles supporting hospitals, outpatient clinics, and healthcare professionals. Austin Benefits Audit was built from that experience: careful intake, clear questions, private review, and practical next steps.
Approach
Careful intakeClear communication and practical next steps.
Focus
Gap reviewsFor disability income, life, and health coverage.
Experience
Trusted advisoryHealthcare recruiting and client-facing work in high-trust settings.
Client Care
Complimentary reviewPrivate, no employer contact, and no obligation.
Confidential Audit Request
Request Your Confidential Austin Benefits Audit
Submit your information to request a private review of potential income, life, and health coverage gaps. Your employer is not contacted.
- Private review of disability income gap and waiting-period cash exposure.
- Plain-English summary of life insurance gap and health insurance gap considerations.
- Questions to ask HR or your benefits department before you make decisions.
Audit Request Form
Your information is used to prepare a private review of potential coverage gaps.
Step 2
Schedule Your 20-Minute Confidential Audit
After your request is received, choose a private review time through the secure booking calendar.
Schedule My 20-Minute AuditAustin Insurance Audit
What We Audit
A forensic, plain-English review of the definitions, caps, and waiting periods that often create hidden exposure.
Income Protection Gap
Group LTD caps, bonus and commission exposure, RSU income, elimination periods, own-occupation language, portability, and existing individual DI coverage.
Family Continuity Gap
Life insurance, survivor income, mortgage protection, family obligations, debt, beneficiaries, and business continuity concerns.
Health Cost Exposure Gap
Deductibles, out-of-pocket maximums, supplemental coverage, critical illness exposure, short-term care needs, and future Medicare planning.
Executive Benefits Audit
Built for Austin Professionals With Real Income to Protect.
If your household depends on your income, your benefits deserve a second set of eyes.
Tech professionals
Semiconductor professionals
Physicians and medical specialists
Sales leaders
Executives
Consultants
Business owners
High-income families
Self-employed professionals
Why This Matters
Most Benefits Gaps Are Hidden in the Definitions.
Many professionals know their salary. Far fewer know how their benefits define covered income, whether bonuses or equity count, how long they must wait before benefits begin, or whether their coverage follows them if they leave their employer.
Common hidden issues
- Covered income may exclude bonus, commission, or RSU value.
- Monthly caps can limit high-earner income replacement.
- Waiting periods can create immediate cash exposure.
- Portability and own-occupation language may change the outcome.
Your Audit Output
Your Audit Output
After your confidential review, you receive a clear summary of potential gaps in:
01Monthly income replacementGap summary
02Waiting-period cash exposureCash window
03Life insurance needsContinuity review
04Health and supplemental exposureCost review
05Recommended next stepsAction map
06Questions to ask HR or your benefits departmentReview prompts
Schedule the Review
Book the 20-Minute Confidential Audit
Start with the DI Gap Scan. Submit a confidential audit request, then choose a 20-minute private review time. Your employer is not contacted, and there is no obligation.
Meeting length20 minutes
FormatConfidential review
ObjectiveGap summary + next steps
- Choose a time that works for you.
- Review your potential DI, life, and health coverage gaps.
- Receive plain-English next steps and questions to ask HR or your benefits department.
Private review. No employer contact. No obligation.
Find the Gap Before a Claim Finds It for You.
Start with the DI Gap Scan. Then request a confidential review of your life, health, and income protection coverage — and schedule your 20-minute audit when you’re ready.