--- title: A Physician's Path to Better Disability Coverage description: Disability insurance is one of those topics most people would rather avoid, but it’s a crucial subject to consider because it can directly affect your financial well-being. image: https://www.tmait.org/hubfs/September%202025/September%20Week%202%20-%20Disability%201.png --- - [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 ![Agent speaking on the phone with physician](https://www.tmait.org/hubfs/September%202025/September%20Week%202%20-%20Disability%201.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # A Physician's Path to Better Disability Coverage 13 September 2025 A Physician's Path to Better Disability Coverage 3:51 Disability insurance is one of those topics most people would rather avoid, but it’s a crucial subject to consider because it can directly affect your financial well-being. This **true experience** of how one physician reevaluated his coverage is an example of this. As a TMA Insurance Trust advisor, I've had countless conversations with physicians about their insurance needs. But the one I had with Dr. Demetrius Coombs resonated with me, because it is a perfect example of what we do. Dr. Coombs called because he felt he was paying too much for his existing disability insurance and wanted to get a quote for our exclusive member plan. Like many physicians, he was busy and looking for a quick and simple quote. I knew, however, that to truly help him, I would need to go beyond a basic premium comparison. His policy had several riders, which can be beneficial, but it can also make things more complicated. A simple quote wouldn’t have given him the full picture, and I wanted him to know exactly what he was getting for his money. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/002e0a30-02df-4501-856d-51506fe7c0f7.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/002e0a30-02df-4501-856d-51506fe7c0f7)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Digging into the Details Dr. Coombs agreed to share his current policy so I could do a detailed, benefit-by-benefit comparison of the two plans. I spent the time meticulously comparing his existing coverage to the **TMA Member Long Term Disability Insurance plan, issued by the Prudential Insurance Company of America**, highlighting the key differences and nuances. We discussed the specific definitions of disability, the coverage amount, and how each policy would help protect his income for his medical specialty. I focused on the features that matter most to physicians like him. Ultimately, my analysis showed him that the TMA Member Long Term Disability Insurance plan was not only more affordable but also a better overall fit for his needs. The detailed comparison helped him see how he could get high-quality, **own-occupation coverage** at a significantly lower cost. ## Unbiased Advice Makes All the Difference Dr. Coombs's reaction to our work together was incredibly gratifying. He sent me an email that perfectly sums up the value of what we do at TMA Insurance Trust: "I wanted to express my most sincere gratitude for your help comparing the TMA Prudential disability policy to my current (disability insurance) policy. I greatly appreciate the time it must have taken to prepare the notes you shared and also answer my questions. Your knowledge was instrumental in allowing me to reach a conclusion and apply for a policy through the TMA. This is a level of service that, unfortunately, seems quite rare in today’s world. I will look forward to the chance to recommend you and the TMA with the highest enthusiasm to any of my colleagues and friends." – Dr. Demetrius Coombs, MD This is why I love my job. Unlike advisors who work on commission, my only priority is to help physicians like Dr. Coombs find the right coverage. There's no sales pressure, just honest, expert advice focused on serving your best interests. Whether you're just starting your search for disability insurance or want a detailed review of your current policy, our advisors are here to help. Contact us for a no-cost, no-obligation consultation, and let us help you find a plan that is right for you by calling 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/c25f2d8f-48ac-45fc-8d98-687064213167.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/c25f2d8f-48ac-45fc-8d98-687064213167)   TMA Member Long Term Disability Plan is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series 83500. 1088028-00001-00 ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/ready-get-set-mark-your-calendars-its-time-to-look-at-medicare) [Next 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