Like many physicians, you may believe that your individual long-term disability insurance and savings would help protect you, if you were unable to work due to an illness or injury. But individual disability benefits are designed to cover your personal and family expenses, not pay overhead expenses for your practice.

When most people think of dangerous driving conditions, they think of pouring rain or patchy ice. But there are certain inherent risks to driving in every season – even in summer. While you’re enjoying the longer daylight, family picnics, and splashing in the pool this season, please be aware of the safety risks while driving that come with the summer weather.

As a TMA Alliance member, you work hard to enthusiastically support important causes, including Be Wise - Immunize℠, Hard Hats for Little Heads, The Physician’s Benevolent Fund, and First Tuesdays at the Capitol; all for the future of the Texas community. From all of us at TMA Insurance Trust, we extend our sincere thanks for all you do.

You may question the need for more life insurance simply because you believe you’ll have enough savings, if something should happen to you. But building a nest egg takes time, especially when you have a mortgage to pay, a family to support and medical school loans to pay off.

If you are a high-earning physician and shopping for disability insurance, we have some information that may surprise you. Traditional long-term disability insurance generally protects up to 60% of an average physician's income. But traditional disability policies that most carriers offer are not designed to meet the needs of higher income earners; in fact, traditional coverage may actually leave you with gaps in protection.

According to statistics, illness is the cause of 90% of all disabilities with 10% due to injuries.* As a physician in private practice, you’re responsible for purchasing your own disability coverage. If you become disabled, you’ll need enough personal disability income to pay out-of-pocket medical costs and living expenses, while also covering your share of the business overhead expenses.

After years of training in your medical specialty and a rising income to protect, many physicians are looking for true "own-occupation" disability protection with sought-after riders, not offered by employer-sponsored coverage. To help members secure quality coverage, TMA Insurance Trust has teamed up with Guardian, one of the foremost disability insurance leaders.

If you are a medical resident, you are likely young and healthy, and rightly feel like the world is ahead of you. Long-term disability insurance is probably the last thing on your mind. However, statistics show that 1 in 4 young adults will become disabled before retirement age. If you should ever become disabled, long-term disability insurance can provide the income to meet your living expenses – and pay back your student loans – while you can’t work.