--- title: 10% Discount for a Lifetime of Income Protection description: A disabling illness can strike any time, lasting from a few months to a lifetime. Many physicians are searching for affordable “own occupation” coverage. image: https://www.tmait.org/hubfs/bigstock--166787792.jpg --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/bigstock--166787792.jpg) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # 10% Discount for a Lifetime of Income Protection 12 August 2017 A disabling illness can strike any time, lasting from a few months to a lifetime. The most common causes of long-term disabilities — [musculoskeletal and connective tissue disorders, cancer, injuries and poisoning, mental disorders and cardiovascular and circulatory diseases](http://www.disabilitycanhappen.org/docs/Disability_Stats.pdf) — can affect your ability to perform the specialty you were highly trained to do. That’s why many physicians are searching for affordable “own occupation” coverage. ## Superior Coverage to Protect Your Medical Specialty Not all disability policies provide the same level of protection. Some policies will reduce or eliminate your disability benefits if you are still able to work in another occupation. With Guardian’s “own occupation” coverage, if your disability prevents you from performing the material and substantial duties of the medical specialty you were engaged in at the time of your disability, you will still receive your full benefits. Furthermore, even if you do decide to work in a field other than your medical specialty, you will still receive your full benefit.  ## 10% Discount for the Life of Your Policy Guardian, an A++ superior-rated insurance company, offers true “own-occupation” coverage that has been made more affordable for TMA members with an exclusive 10% discount. And, the discount applies for as long as you keep your policy — which could add up to thousands of dollars over the life of your policy. [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/cc7c7d2e-3d04-4ad3-b758-0b79010e4771.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/cc7c7d2e-3d04-4ad3-b758-0b79010e4771) ***[800-880-8181](tel:800-880-8181)*** ***7:30 – 5:30 CST Monday – Friday*** Many members also enjoy the following benefits: **Your policy can’t be cancelled** – Once premium rates are approved, they’re guaranteed for the life of the policy, as long as premiums are paid on time. **Benefits are guaranteed** – The TMA Member Guardian Disability plan locks in benefits once coverage is placed, unless you choose riders that allow you to increase benefits. **Policies are portable** – If you change jobs or move to another town or state, your individual plan can travel with you. **Cost-of-living increases** – TMA Insurance Trust recommends a Cost of Living Adjustment Rider (COLA) rider especially for young physicians. It helps your benefit keep pace with inflation. An employer policy may not offer this protection. **Option to Increase Benefits as Income Rises** – Some disability policies may not allow you to increase your benefits as your salary increases. By adding a Future Increase Option to your policy, you are allowed certain increases to your monthly benefit without any medical underwriting. [![guardian savings (1).png](https://www.tmait.org/hs-fs/hubfs/guardian%20savings%20(1).png?width=280&name=guardian%20savings%20(1).png "guardian savings (1).png")](https://info.tmait.org/talk-with-an-advisor-about-long-term-disability-0) ## Assessing the Gap in Your Current Plan Whether you have coverage through your employer or bought an individual policy years ago, your income and family expenses most likely have increased. A TMA Insurance Advisor can help you review your current coverage and make the necessary adjustments to meet to your current income, expenses, loans and debts. Depending upon your needs, you may also want to ask about other top disability insurers available. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/183b2195-3c5f-429e-b6de-77a60ab87c84.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/183b2195-3c5f-429e-b6de-77a60ab87c84) TMA Insurance Trust is a full-service insurance agency with over 60 years of experience helping Texas physicians protect their assets, family and practice. Advocating for members, TMA Insurance advisors offer unbiased information and strategies, along with exclusive group rates on a range of the highest-rated plans in the industry. And since advisors don’t work on commission, there is never any obligation or sales pressure. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/have-you-counted-the-hidden-costs-of-disability-ltd) [Next Entries**](https://www.tmait.org/blog/financial-protection-for-independent-physicians-boe) ## Recommended Posts ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [What the TMA Member Disability Plan Includes That Others Don’t](https://www.tmait.org/blog/what-the-tma-member-disability-plan-includes-that-others-dont) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ## Speak with a TMA Insurance Trust Advisor: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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