--- title: Disability Insurance – Are You Getting What You’re Paying For? description: It’s a good idea to review your disability plan periodically. Your life is different today than it was when you originally obtained your policy. image: https://www.tmait.org/hubfs/September%202020/September_2020_Week_3_Disability.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 ![](https://www.tmait.org/hubfs/September%202020/September_2020_Week_3_Disability.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Disability Insurance – Are You Getting What You’re Paying For? 19 September 2020 If you’re like many physicians, you probably purchased your disability insurance policy earlier in your career. At the time, you might have opted for a smaller benefit – because your income was lower, your family was smaller and the premiums were less expensive. For that reason, your agent or broker might have recommended that you purchase a **Future Increase Option (FIO). ** This rider lets you start with a smaller policy, but provides the** guaranteed option to add disability benefits to your plan in the future.** So as your career and income grow, your benefit can be more in line with your family’s current living expenses and lifestyle. Whether or not you have taken advantage of that provision, every time you pay your premium **you are paying the cost of having that option in your plan. ** ## What Should You Do Now? You may have forgotten that your plan includes an FIO. But it’s important to be aware of it today for many reasons. The FIO guarantees that you can add more coverage – **without having to re-apply or take a medical exam. **That’s an advantage, since you are older now and have a higher risk of health issues, especially during this time of COVID-19. Also, the FIO comes with an expiration date – usually when you reach 40 or 45 years of age. So you’ll want to** act before your option expires.** [![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) 7:30 – 5:30 CST Monday – Friday*** ## A Review Can Result in Savings Typically, the agent who sold you the policy would reach out to remind you about the FIO that you are continuing to pay for. (If you obtained your policy through TMA Insurance Trust, it is our standard practice to reach out with reminders about your FIO.) If you’ve lost touch with your agent, feel free to contact a TMA Insurance Trust advisor for a no-cost policy review. You’ll want to know if you are paying for provisions in your policy that you don’t plan to use. We can point those out to you. We may also be able to suggest cost-saving adjustments – like changing your waiting period, or the amount of your benefit. ## What if You Have an FIO? It’s possible you may have already explored your FIO, in which case you might have learned that while an FIO guarantees your option to purchase additional coverage, you do have to pay an additional premium – and that will be at a higher rate for your current age. If you feel it is too expensive to add more coverage with your FIO, our advisors can suggest** a cost-effective alternative.** You may be able to increase your coverage with a supplemental disability plan. ## Save With Supplemental Coverage If your income has increased – and you feel you need more disability coverage – you can find affordable, supplemental coverage with the TMA Member Long Term Disability Plan issued by **The Prudential Insurance Company of America. **It is available exclusively to TMA members and now comes with up to **25% savings off our regular rates.*** Even **if your plan does not include an FIO**, if you want more disability coverage, this could be a cost-saving option to consider. ## Schedule Your No-Cost Review Now Whether or not you have an FIO – it’s a good idea to review your disability plan periodically. Your life is different today than it was when you originally obtained your policy. Call us now to be sure you are properly protected and getting the full value out of what you are paying for. Our advisors do not work for sales-based commissions so you will always get an unbiased, no-obligation review. Call us now at [1-800-881-8080](tel:18008818080). [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ff77bcf5-6019-4bb4-a971-2a441fefe9af.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ff77bcf5-6019-4bb4-a971-2a441fefe9af) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/disability-insurance-more-confidence-in-your-financial-future) [Next Entries**](https://www.tmait.org/blog/practice-owners-be-ready-for-group-health-choices-before-open-enrollment-begins) ## 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: *Effective 8/1/2019, TMA Insurance Trust is able to provide participants with a premium credit of 25% that will be applied to their billing invoices, effectively decreasing the amount of their premium payments by 25%. This complimentary premium credit is provided at the sole discretion of the TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.   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. 1040318-00001-00 ### 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 - [Practice Owners (218)](https://www.tmait.org/blog/topic/practice-owners) - [Women Physicians (182)](https://www.tmait.org/blog/topic/women-physicians) - [Independent Physician (175)](https://www.tmait.org/blog/topic/independent-physician) - [Young Physicians (163)](https://www.tmait.org/blog/topic/young-physicians) - [Insurance for Women (162)](https://www.tmait.org/blog/topic/insurance-for-women) - [Employed Physicians (155)](https://www.tmait.org/blog/topic/employed-physicians) - [Locum Tenens (136)](https://www.tmait.org/blog/topic/locum-tenens) - [Residents (134)](https://www.tmait.org/blog/topic/residents) - [Disability Insurance (128)](https://www.tmait.org/blog/topic/disability-insurance) - [Health Insurance (127)](https://www.tmait.org/blog/topic/health-insurance) - [Practice Managers (94)](https://www.tmait.org/blog/topic/practice-managers) - [Life Insurance (86)](https://www.tmait.org/blog/topic/life-insurance) - [Independent Contractor (84)](https://www.tmait.org/blog/topic/independent-contractor) - [Open Enrollment (73)](https://www.tmait.org/blog/topic/open-enrollment) - [Group Benefits (65)](https://www.tmait.org/blog/topic/group-benefits) - [Group Coverage (61)](https://www.tmait.org/blog/topic/group-coverage) - [Retired Physicians (59)](https://www.tmait.org/blog/topic/retired-physicians) - [Individual Coverage (58)](https://www.tmait.org/blog/topic/individual-coverage) - [Nearing Retirement (57)](https://www.tmait.org/blog/topic/nearing-retirement) - [Family (52)](https://www.tmait.org/blog/topic/family) - [Medicare (43)](https://www.tmait.org/blog/topic/medicare) - [Medical Practice (39)](https://www.tmait.org/blog/topic/medical-practice) - [Business Overhead Expense Insurance (35)](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) - [Practice Management (35)](https://www.tmait.org/blog/topic/practice-management) - [Critical Illness Insurance (33)](https://www.tmait.org/blog/topic/critical-illness-insurance) - [Medicare Part D (31)](https://www.tmait.org/blog/topic/medicare-part-d) - [Dental Insurance (30)](https://www.tmait.org/blog/topic/dental-insurance) - [Medicare Supplement (29)](https://www.tmait.org/blog/topic/medicare-supplement) - [Life Events (28)](https://www.tmait.org/blog/topic/life-events) - [Insurance For Good (26)](https://www.tmait.org/blog/topic/insurance-for-good) - [Business of Medicine (25)](https://www.tmait.org/blog/topic/business-of-medicine) - [Auto Insurance (21)](https://www.tmait.org/blog/topic/auto-insurance) - [Accident Insurance (20)](https://www.tmait.org/blog/topic/accident-insurance) - [Homeowners Insurance (19)](https://www.tmait.org/blog/topic/homeowners-insurance) - [Retirement (15)](https://www.tmait.org/blog/topic/retirement) - [Short Term Disability (15)](https://www.tmait.org/blog/topic/short-term-disability) - [Young Physicans (15)](https://www.tmait.org/blog/topic/young-physicans) - [Medical Insurance (12)](https://www.tmait.org/blog/topic/medical-insurance) - [Featured (11)](https://www.tmait.org/blog/topic/featured) - [Medigap (11)](https://www.tmait.org/blog/topic/medigap) - [Accidental Death and Dismemberment (10)](https://www.tmait.org/blog/topic/accidental-death-and-dismemberment) - [HSA (10)](https://www.tmait.org/blog/topic/hsa) - [Personal Umbrella Insurance (10)](https://www.tmait.org/blog/topic/personal-umbrella-insurance) - [Insurance Review (9)](https://www.tmait.org/blog/topic/insurance-review) - [Renters Insurance (9)](https://www.tmait.org/blog/topic/renters-insurance) - [Term Life Insurance (9)](https://www.tmait.org/blog/topic/term-life-insurance) - [Auto & Home Insurance (8)](https://www.tmait.org/blog/topic/auto-home-insurance) - [Supplemental Hospital Indemnity Insurance (6)](https://www.tmait.org/blog/topic/supplemental-hospital-indemnity-insurance) - [Travel Insurance (6)](https://www.tmait.org/blog/topic/travel-insurance) - [Comparing Insurance Providers (3)](https://www.tmait.org/blog/topic/comparing-insurance-providers) - [Pet Insurance (3)](https://www.tmait.org/blog/topic/pet-insurance) - [Short-Term Medical Insurance (3)](https://www.tmait.org/blog/topic/short-term-medical-insurance) - [Medevac Insurance (2)](https://www.tmait.org/blog/topic/medevac-insurance) - [Office Overhead Expense Insurance (2)](https://www.tmait.org/blog/topic/office-overhead-expense-insurance) - [Vision Insurance (2)](https://www.tmait.org/blog/topic/vision-insurance) - [COVID-19 FAQs (1)](https://www.tmait.org/blog/topic/covid-19-faqs) - [Financial Advice (1)](https://www.tmait.org/blog/topic/financial-advice) - [Key Person Insurance (1)](https://www.tmait.org/blog/topic/key-person-insurance) - [Prescription Drug Coverage (1)](https://www.tmait.org/blog/topic/prescription-drug-coverage) [See all](https://www.tmait.org/blog/disability-insurance-are-you-getting-what-youre-paying-for#) ### Newsletter signup to receive our monthly newsletter [* * Contact Us](https://www.tmait.org/blog/disability-insurance-are-you-getting-what-youre-paying-for#bott-scroll) ![border](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/border.png?width=1200&height=44&name=border.png "border") ### Quick Links - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Home](https://www.tmait.org/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Testimonials](https://www.tmait.org/testimonials) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [About](https://www.tmait.org/about) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Privacy Policy](https://www.tmait.org/privacy-policy) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Contact](https://www.tmait.org/contact) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Resources](https://www.tmait.org/resources) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Our Blog](https://www.tmait.org/blog) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Self-Service Portal](https://tmait.aebsys.com/#/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Anticipate Joy](https://www.tmait.org/anticipate-joy) ### Connect With Us - [* *](https://www.facebook.com/TMAInsuranceTrust) - [* *](https://twitter.com/TMAIT) - [* *](https://www.youtube.com/user/TMAInsuranceTrust) We were created and are exclusively endorsed by the [Texas Medical Association](https://www.texmed.org/) © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST ![](https://googleads.g.doubleclick.net/pagead/viewthroughconversion/956622860/?value=0&guid=ON&script=0) ![](https://analytics.twitter.com/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://analytics.twitter.com/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0)