--- title: Do Female Physicians Have To Pay More For Disability Insurance Than Male Physicians? description: You may have wondered, is it possible to find long-term disability insurance with rates that are the same for male and female physicians? image: https://www.tmait.org/hubfs/March%202019/March_2019_Week_3-1.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 ![March_2019_Week_3-1](https://www.tmait.org/hubfs/March%202019/March_2019_Week_3-1.jpg) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Do Female Physicians Have To Pay More For Disability Insurance Than Male Physicians? 20 April 2019 The long hours of study, the grueling night shifts, the heavy burden of student loans. As a female physician it’s obvious that you have paid your dues to get where you are today. And it goes without saying that you have worked just as hard as your male counterparts to achieve your goals. So if you were told that your rates would be higher for long term disability insurance than those paid by male physicians – for the same level of coverage – you might be somewhat surprised and more than a little disappointed. Regrettably, however, if you have ever investigated purchasing your own disability insurance you might have seen that the rates may indeed be higher for female physicians. And you might have wondered, is it possible to find long term disability insurance with rates that are the same for male and female physicians? ## The Same Rates, The Same Benefits We have worked with **The Prudential Insurance Company of America** to create the TMA Member Long Term Disability Insurance Plan where the rates are not based on gender. Instead, they are based on your age. So unlike many other plans, female physicians are not charged higher rates than male physicians. And the same benefits are provided to both. ## Protection For Your Family And Finances As a physician, you most likely know the importance of disability insurance. It’s considered an essential way to help protect your finances and your family in the event you become sick or injured and cannot go to work. It can help you meet your living expenses – like rent or mortgage payments, grocery bills, utilities, even your student loan payments. When you cannot work and don’t have an income it’s easy to imagine how quickly those expenses can add up. [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/2ea3c6f2-4dd8-4ab8-ad7c-89427226537a.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/2ea3c6f2-4dd8-4ab8-ad7c-89427226537a) ***[800-880-8181](tel:800-880-8181)*** ***8:00 – 5:00 CST Monday – Friday*** ## Supplement Your Coverage With Your Own Plan It’s possible that you might have obtained disability coverage from your previous or current employer. For most physicians, however, it’s important to understand that your employer-provided coverage may not be enough. Many employer-provided plans typically cover about 60 percent of a physician’s income. And employer-paid benefits are taxable as income. Could you and your family get by on what would likely be half your current income? ## A Plan That’s Simple, Affordable And Portable It’s a good idea to consider obtaining your own long term disability plan – one that might cover any gap in your current coverage. In addition to rates that are gender-neutral, the TMA Member Long Term Disability Plan **issued by The Prudential Insurance Company of America** offers many advantages. It is designed to be simple and affordable. TMA members under age 50 can apply for a benefit of up to $10,000/month with highly simplified underwriting. To find out how you can obtain more coverage, simply contact a TMA Insurance Trust advisor. And unlike other plans, if you have long term disability insurance from another carrier, you are not required to coordinate benefits with the TMA Member plan. What this means is that you could get up to $4,000/month from the TMA Member plan regardless of benefits you would receive from your other plan. Also, the coverage is portable. It follows you regardless of your employment situation. Even if you move out of Texas, you can keep your coverage at member-only rates if you maintain an affiliate membership in the TMA. ## Call Us To Compare And Save When you contact a TMA Insurance Trust advisor they will be happy to show you how policies from other leading carriers differ on ease of application, benefits and price. They do not receive sales-based commissions, so you can be sure you will receive unbiased information and advice without any obligation or sales pressure. To learn how you can protect your finances and your family with long term disability insurance – and get rates that are not based on gender – feel free to call us at [800-880-8181](tel:18008808181). ## Apply Online, Quickly And Easily Alternatively, TMA members can apply directly online for the TMA Member Long Term Disability Plan **issued by The Prudential Insurance Company of America**. To get started quickly and easily click below. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/f521e660-f88e-4f61-9f5c-08ff43f9c623.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f521e660-f88e-4f61-9f5c-08ff43f9c623) [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/2167f86a-ceee-4eff-a286-204f9f13d2f4.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/2167f86a-ceee-4eff-a286-204f9f13d2f4) 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) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) ** [Independent Physician](https://www.tmait.org/blog/topic/independent-physician) [**Previous Entries](https://www.tmait.org/blog/have-a-helping-hand-during-a-serious-illness) [Next Entries**](https://www.tmait.org/blog/when-an-accident-happens-how-will-your-finances-fare) ## Recommended Posts ### [Disability Insurance—Without Gender-Based Pricing 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