Bonus, commission, RSUs, or consulting income.
Clients may not know whether employer disability benefits fully account for non-base compensation.
Referral Partner Resource
A Private Benefits Review Resource for Your Clients.
Austin Benefits Audit helps CPAs, advisors, attorneys, mortgage professionals, recruiters, HR consultants, and business consultants support clients with income to protect.
When to Refer
When a Private Benefits Review Can Add Value
These are common situations where a private benefits review can help without disrupting your client relationship.
Mortgage, dependents, debt, or family changes.
New financial obligations can make income interruption more costly than clients expect.
Monthly caps, waiting periods, and taxable benefits.
The plan may look strong at a glance, while important details create a cash-flow gap.
Who We Help
Professionals and Families Who Depend on Earned Income.
Austin Benefits Audit is best suited for clients who want clarity before they need coverage — not a high-pressure insurance pitch.
Professionals with Income to Protect
Tech professionals, healthcare workers, executives, sales leaders, consultants, and managers.
Families & Homeowners
Clients with mortgages, dependents, debt, education goals, or household income replacement concerns.
Business Owners & Self-Employed Clients
Professionals whose personal income or business overhead depends heavily on their ability to work.
Clients in Transition
Job changes, open enrollment, compensation changes, new homes, new children, or new financial obligations.
What We Review
Coverage Areas That Often Create Confusion.
- Employer disability income benefit percentage and monthly maximums.
- Waiting periods before benefits begin.
- Taxable vs. potentially non-taxable benefit questions.
- Covered income definitions, including bonus, commission, RSUs, consulting, and self-employment income.
- Employer life insurance, portability, and family protection gaps.
- Health and supplemental exposure questions.
- Business overhead exposure for consultants and self-employed professionals.
What Clients Can Expect
Protecting the Referral Relationship Matters.
- We do not contact the employer.
- We do not pressure clients or replace the role of their CPA, attorney, advisor, or consultant.
- We do not provide tax, legal, investment, or accounting advice.
- We explain possible gaps in plain English.
- If coverage is requested, solutions are subject to eligibility, underwriting, carrier approval, and policy terms.
Referral Process
Simple, Private, and Respectful of the Client Relationship.
The review is designed to give clients clarity first. If they want to explore coverage options later, that conversation can happen after the gap is understood.
IntroducePartner sends a short introduction or shares this page with the client.
Self-Guided ToolClient can complete the DI Gap Scan, Checklist, or Scorecard before meeting.
Private ReviewJesus meets with the client by Google Meet or phone. Employer is not contacted.
Plain-English SummaryClient receives practical next-step questions and areas to verify.
Optional SolutionsIf appropriate, coverage options can be discussed without obligation.
Copy/Paste Referral Language
Make the Introduction Easy.
Use the examples below when a client may benefit from a private benefits gap review.
Hi [Client Name], I wanted to introduce you to Jesus Escamilla, founder of Austin Benefits Audit. Jesus helps professionals privately review potential gaps in disability income, life, and health coverage — including employer plan limits, monthly caps, waiting periods, and income that may not be fully protected. The initial review is complimentary, your employer is not contacted, and there is no obligation. Jesus, I’ll let you both connect from here.
Jesus with Austin Benefits Audit is a good private review resource if you want to better understand possible disability income, life, or health coverage gaps. No employer contact, no obligation, and the initial review is complimentary.
Introduce a Client
Have a Client Who May Benefit From a Private Review?
Use the form or email Jesus directly. Please do not include sensitive medical, financial account, Social Security, or confidential client information in this form.