No one wants to think about the possibility of becoming disabled – until the unthinkable happens. It might be a sudden injury, or an unanticipated illness. But regrettably it can happen to anyone, physicians included.

And if that injury or illness prevented you from working, you would likely find that your income would quickly diminish and your finances could be seriously threatened. Would you be prepared for that?

Close Your Disability Coverage Gap

Unfortunately, we’ve found that many physicians, contrary to what they might believe, may not have adequate insurance protection.

Some disability insurance specialists estimate you would need only 60%-65% of your salary to live on if you become disabled. They reason that while you’re recovering away from work, your expenses will decrease. But in fact, the opposite is more likely to be true.

You’ll likely find a surprising amount of expenses related to your disability. On top of that you’ll have ongoing living expenses – like mortgage payments, utility bills, groceries, school tuition, etc. These will continue to pile up unabated for you and your family. That can result in a growing gap between the disability coverage you may have and the cash benefit you’ll very likely need.

See Your Unprotected Income – Try This Simple Online Tool

To estimate just how much disability coverage might be appropriate for you and your family, we’ve created a simple online tool to help you see how much of your income is not protected through retirement. Once you know how much of your income is unprotected, you can explore ways to get coverage that works for your needs.

Our Unprotected Income Calculator is quick, easy to use and privacy protected. Click here, to try it now.

Save Up To 30% With Top Rated Carriers

We understand that cost can be a factor when looking for disability insurance – especially in today’s economy. So we offer plans from leading carriers that come with considerable savings.

Here are some examples of Own Occupation disability plans with special offers for TMA members:

• We work with Guardian, a leader in individual disability insurance. Physicians will be able to take advantage of exclusive discounts between 10% and 30% depending on their specialty and situation – for every year of the policy.
• Our TMA Member Long Term Disability Plan issued by The Prudential Insurance Company of America comes with a 25% Thank You Credit that can effectively save members thousands of dollars off our already lower premiums over the life of the policy. It can be an affordable way to supplement your existing coverage and comes with a timesaving, simple application process. And because our group rates are the same for men and women, women physicians can take advantage of savings of up to 40% - 50% when compared to individual disability plans.
  
  To see how affordable the TMA Member Plan can be with the 25% Thank You Credit, TMA members can use our Long Term Disability Calculator. This simple online tool lets you adjust the monthly benefit and waiting period to help you find a rate that works for you. To try our quick, easy-to-use calculator, click here.

• We’re also pleased to offer a plan through Lloyd’s of London that provides a monthly benefit of up to $100,000. The plan is not constricted by the limits domestic carriers place on the amount of coverage one can have.

Plans, Savings And Strategies

Whether you’re seeking coverage for the first time, or you already have a plan but would like to expand your coverage, our advisors can help you determine the best way to protect your income and preserve your finances.

In addition to helping you find a new plan, they may suggest a way to increase your coverage by layering a supplemental policy on top of your existing plan. That way you can keep the coverage you already have without having to buy a new plan with benefits you may not need.

They can also help you choose the most beneficial timing for your new policy’s waiting period to be sure it works in tandem with your existing coverage. Adding a plan with a shorter waiting period may help you get some of your benefits more quickly, while a plan with a longer waiting period may help you get a more affordable rate. Please speak with one of our advisors to help determine the mix of benefits and features that can work best for you.

So Many Options – Let a Professional Help You Choose

Our advisors have been working with Texas physicians for over 65 years to help them protect as much of their income as possible. Let them help you get the best disability coverage at a cost that works for your budget. Call for a free, personal consultation at 800-880-8181 Monday through Friday, from 8:00 am to 5:00 pm, CST.

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.