--- title: 5 Benefits of Group Long-Term Disability Insurance for Small Medical Practices description: If you’re a physician not providing group long-term disability insurance at your medical practice, you’re missing out on major benefits. image: https://www.tmait.org/hubfs/Blog_Images/5-benefits-of-group-long-term-disability-insurance-for-small-medical-practices_TMAIT.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/Blog_Images/5-benefits-of-group-long-term-disability-insurance-for-small-medical-practices_TMAIT.jpg) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # 5 Benefits of Group Long-Term Disability Insurance for Small Medical Practices 26 September 2015 As you review insurance plans for your medical practice staff, you may want to consider offering long-term disability insurance. This type of coverage can be a valuable benefit for a medical practice to offer. Statistics from the U.S. Census Bureau suggest that one in five employees have a [chance of becoming disabled during their careers](https://www.census.gov/newsroom/releases/archives/miscellaneous/cb12-134.html). On average, [long-term disability absences from work](http://www.disabilitycanhappen.org/docs/disability_stats.pdf) last for more than two years. Long-term disability insurance covers a portion of an absent employee’s compensation, typically up to 60 percent. And plans may be more flexible and affordable than many employers expect them to be. Here you’ll find five standout advantages for adding group long-term disability insurance to your practice’s coverage plan. ## Attract High-Quality Employees One of the best things you can do to ensure the success of your practice is to staff it with top-notch employees, and a good benefits package can help you to fill those spots with high-quality personnel. Almost [9 out of 10 employees would pay for disability insurance](https://www.evolvebenefitsonline.com/blog/96-nearly-9-in-10-would-buy-di-if-employer-contributed) if their employers contributed half of the cost. With this kind of enthusiasm about the product, offering long-term disability insurance can certainly help you lead the pack in the race to hire the best employees. Why are job seekers so keen on long-term disability insurance? It boils down to security. While a competitive salary is always a good start, the peace of mind that comes with knowing such a salary can be protected in the event of illness or injury acts as a major incentive. ## Affordable Rates, Easy Process Small physician practices are likely to overestimate the [cost of group long-term disability insurance](http://www.businesswire.com/news/home/20150608005920/en/Small-Employers-Recognize-Long-Term-Disability-Insurance-Cost#.VcJEVxNVhBc) and underestimate its advantages. By spreading the risk across the entire group of insured employees, coverage can cost as little as $20 per month for non-physician staff members. Persistent health conditions can be unpleasant, but submitting long-term disability claims is painless. Factors like age, gender, tobacco use and occupation are considered when calculating costs, and for an additional fee employees can often obtain greater coverage. ## Accelerate the Road to Recovery When a medical condition forces someone who works at a health care practice into an extended leave of absence, both business and employee have an interest in a speedy recovery. Long-term disability plans lessen the financial burdens on sick or injured employees, allowing them to more easily pay increasing health care costs, which can shorten recovery time, and hopefully lead to a quicker return to work. ## Ensure Your Revenue When a favorite physician goes out on disability, current patients can be lost, and new ones become that much more difficult to bring through the door. [Key person disability plans](https://www.tmait.org/articles-and-insights/perspectives-on-insurance/key-person-insurance/), which provide a benefit to businesses suffering from the absence of an essential employee, can help to manage situations such as this one alongside long-term disability insurance. ## Protect Your Return on Investment If you sat down and calculated how much you’ve sunk into your career and medical practice (which you probably have done -- many times), you’d likely see figures totaling in the hundreds of thousands. Money well spent, no doubt, but only if you can guarantee seeing those figures again one day on the other side of the balance sheet. Long-term disability insurance protects your investments, income and lifestyle. Enrolling in a group plan for your practice is a decision only you can make, but by no means is it a tough one.  ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/4-facts-you-need-to-know-about-hospital-indemnity-insurance) [Next Entries**](https://www.tmait.org/blog/9-alarming-trends-for-physicians-nearing-retirement) ## 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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