--- title: Don't Overpay For Disability Insurance description: "As you compare your options, it's natural to ask: Why is disability insurance so expensive? Am I paying more than I have to? And does paying less have to mean giving up important benefits?" image: https://www.tmait.org/hubfs/July%202026/July%202026%20Week%204%20-%20LTD.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/) - [Practice Owners](https://www.tmait.org/practice-owners) - [Health Insurance](https://www.tmait.org/practice-owner-health-insurance) - [Individual Health Insurance](https://www.tmait.org/practice-owner-individual-family-health-insurance) - [Group Health Insurance](https://www.tmait.org/practice-owner-group-health-insurance) - [Medicare Supplement](https://www.tmait.org/practice-owner-medicare-supplement) - [Medicare Part D](https://www.tmait.org/practice-owner-medicare-part-d) - [Critical Illness Insurance](https://www.tmait.org/practice-owner-critical-illness-insurance) - 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[Short Term Disability Insurance](https://www.tmait.org/resident-short-term-disability) - [Long Term Disability Insurance](https://www.tmait.org/resident-disability-insurance) - [Unprotected Income Calculator](https://www.tmait.org/disability-income-calculator) - [Disability Insurance Rate Calculator](https://www.tmait.org/tma-member-disability-calculator) - [Accidental Death & Dismemberment](https://www.tmait.org/resident-accidental-death-and-dismemberment) - [Auto & Home Insurance](https://www.tmait.org/resident-auto-and-home-insurance) - [Auto Insurance](https://mylifeprotected.com/index.php?panel=auto-insurance&MDRefCode=tmait-mlp-web) - [Homeowners Insurance](https://mylifeprotected.com/homeowners%26MDRefCode=tmait-mlp-web) - [Rental Insurance](https://mylifeprotected.com/index.php?panel=renters-insurance&MDRefCode=tmait-mlp-web) - [Umbrella Insurance](https://mylifeprotected.com/umbrella-insurance/%26MDRefCode=tmait-mlp-web) - [Specialty Insurance](https://www-tmait-org.sandbox.hs-sites.com/resident-specialty-insurance) - [Air Medical Transport](http://MEDJET.com/TMAIT) - [Pet Insurance](https://mylifeprotected.com/pet-insurance/?MDRefCode=tmait-mlp-web) - [Travel Insurance](https://www.tmait.org/blog/new-tma-member-benefit-year-round-travel-insurance) - [Self-Service Portal](https://tmait.aebsys.com/#/) - [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - [Anticipate Joy](https://www.tmait.org/anticipate-joy) - [Blog ](https://www.tmait.org/blog) 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 ![Woman sitting at her desk looking over a document in her hand with deep concern.](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%204%20-%20LTD.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Don't Overpay For Disability Insurance 25 July 2026 Don't Overpay For Disability Insurance 5:09 Whether you're shopping for disability insurance or reviewing your current coverage, you understand the importance of protecting your income if an injury or illness disrupts your ability to work. As you compare your options, it's natural to ask:* Why is disability insurance so expensive? Am I paying more than I have to? And does paying less have to mean giving up important benefits?* ## Lower Cost & Comprehensive Coverage [![July 2026 Week 4 - LTD Takeaway](https://www.tmait.org/hs-fs/hubfs/July%202026/July%202026%20Week%204%20-%20LTD%20Takeaway.jpg?width=250&height=213&name=July%202026%20Week%204%20-%20LTD%20Takeaway.jpg)](https://www.tmait.org/blog/dont-overpay-for-disability-insurance#plan)It is easy to assume that lower premiums mean giving up important plan features. After all, many of the benefits physicians value most are often available through costly add-ons. The TMA Member Long Term Disability plan,** issued by The Prudential Insurance Company of America,** allows TMA member physicians to pay less while still receiving many of the protections physicians consider important. Several benefits that are optional riders elsewhere are included in the TMA Member Plan, meaning you do not have to choose between comprehensive coverage and premium savings. ## Why does the TMA Member Plan Cost Less? One reason is TMA Insurance Trust’s commitment to Texas physicians; an initiative we call *Insurance For Good*. Because TMA Insurance Trust has no shareholders, surplus funds are used to support our TMA members, including a 25% premium savings on own-specialty coverage. Another advantage is long-term rate stability. Premium rates for the TMA Member Long Term Disability plan have remained unchanged since 1998, meaning participating members have not experienced a rate increase this millennium. Together, these advantages help physicians secure comprehensive disability insurance while reducing overall costs. [![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*** ## Making Coverage Easier Cost is not the only reason physicians may delay reviewing or applying for disability insurance. The application process itself can feel time-consuming and complicated. The TMA Member plan simplifies securing coverage with a brief application, fewer requirements, and guidance from advisors who work exclusively with Texas physicians. - **No Tax Returns Required:** Unlike other carriers, we never require you to provide your tax returns when applying. - **No Income Verification:** Apply for up to $5,000 per month with no income questions. - **Higher Benefit & Less Hassle:** Apply for up to $18,000 per month with a simplified application and TMA member pricing. TMA Insurance Trust advisors understand the unique considerations physicians face and serve as an ongoing resource for questions, coverage discussions, and support. ## Is It Time to Review Your Policy? In a world of rising costs, protecting your income remains essential. Reviewing your disability coverage may help you identify opportunities to save without sacrificing important benefits. If you currently have disability insurance outside of TMA Insurance Trust, or if your income and financial responsibilities have changed, it is worth it to explore your options. To learn more about the TMA Member Long Term Disability plan, contact a TMA Insurance Trust advisor at 800-880-8181, Monday through Friday, from 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)   [Return to Paragraph](https://www.tmait.org/blog/dont-overpay-for-disability-insurance#paragraph) ### The TMA Member Long Term Disability Insurance Plan - **No Tax Returns Required:** Unlike other carriers, we never require you to provide your tax returns when applying. - **No Income Verification:** Apply for up to $5,000 per month with no income questions. - **Higher Benefit & Less Hassle:** Apply for up to $18,000 per month with a simplified application and TMA member pricing. - **Coverage That Can Grow With You:** The *Future Increase Option *allows you to apply for additional coverage later, without requiring further underwriting. - **Specialty-Specific Coverage:** *Own-Specialty Coverage *pays benefits if you can’t perform the duties of your medical specialty. - **Support During Recovery:** *Partial or Residual Disability Benefits* provide income if you return to work part-time while recovering. - **No Offsets From Other Insurance:** Your benefit is paid in full, even if you receive benefits from other sources. - **Extra Help for Serious Conditions:** *Catastrophic Coverage* increases your benefit by 20% if you’re unable to perform two or more Activities of Daily Living, such as bathing or dressing. - **Help with Student Loan Payments:** You may receive *an additional 25% benefit *(up to $250,000) to help with student loan payments, so your primary benefits can go toward everyday expenses. - **Dedicated Claims Support:** A TMA Insurance Trust staff member will personally assist with forms and updates throughout your claim process. - **Premium Savings That Can Add Up:** TMA members receive a *25% savings *on their Own-Specialty coverage, exclusive to members and part of our Insurance For Good promise. - **No Risk:** Members have 30 days to review the coverage. Should they decide not to keep it, they can receive a full refund. [Return to Paragraph](https://www.tmait.org/blog/dont-overpay-for-disability-insurance#paragraph)   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. 1092139-00001-00 ** [ 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) [, Insurance For Good ](https://www.tmait.org/blog/topic/insurance-for-good) ** [Individual Coverage](https://www.tmait.org/blog/topic/individual-coverage) [**Previous Entries](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ## Recommended Posts ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [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) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean 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Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) ### [The New Math of Disability Insurance](https://www.tmait.org/blog/the-new-math-of-disability-insurance) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This 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Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ## Speak with a TMA Insurance Trust Advisor: ### Latest Post ![Don't Overpay For Disability Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%204%20-%20LTD.png) ### [Don't Overpay For Disability Insurance](https://www.tmait.org/blog/dont-overpay-for-disability-insurance) Jul. 25 2026 ![Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%203%20-%20AD%26D.png) ### [Beyond the Basics: Adding AD&D Insurance to Your Portfolio](https://www.tmait.org/blog/beyond-the-basics-adding-add-insurance-to-your-portfolio) Jul. 18 2026 ![The New Math of Disability Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%202%20-%20LTD.png) ### [The New Math of Disability 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