--- title: Help Protect Your Income and Lifestyle with Disability Insurance description: If a sudden health issue should disrupt your ability to work, ask how this would affect your current lifestyle. image: https://www.tmait.org/hubfs/January%202024/January%202024%20Week%203%20-%20Disability.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/January%202024/January%202024%20Week%203%20-%20Disability.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Help Protect Your Income and Lifestyle with Disability Insurance 20 January 2024 A physician's life is constantly changing. Every day brings new challenges and responsibilities that can significantly impact your health and financial well-being. Protecting the security of yourself and your family's future is, without a doubt, your priority. If a sudden health issue should disrupt your ability to work, ask how this would affect your current lifestyle. Disability insurance experts assert that if you cannot work due to a disability, you'll likely only need 60% to 65% of your salary since expenses are expected to decrease during your recovery.¹ TMA Insurance Trust maintains a different viewpoint. You and your family deserve to enjoy the life that you have built uninterrupted; our goal is to help you safeguard your income. **TMA members, you could save up to 30% on long-term disability insurance, and those under 55 years old are qualified to enroll in our short-term disability plan with guaranteed acceptance.** [![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*** ## Exclusive Coverage, Discounts, and Benefits TMA Insurance Trust offers a variety of disability plans with exclusive member rates, ensuring coverage that helps fill your income protection gap at a lower cost compared to other options. Here are some of the available coverage options provided exclusively to suit your needs: - We work with **Guardian**, a leader in individual “own occupation” 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 exclusive “own occupation” TMA Member Long Term 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 low member premiums over the life of the policy, while helping to protect their income to Social Security retirement age. This is an affordable way to help supplement your existing coverage 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. - TMA Members under age 55 can take advantage of our new** TMA Member Short Term Disability Plan with guaranteed acceptance for a benefit of up to $6,000/month.*** Coverage up to $10,000/month² is available for members under age 65 with underwriting. **Pregnancy is covered **under this plan once the insured has been covered for at least 12 months. - We also 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. TMA Insurance Trust understands the insurance needs of physicians, whether you are new to seeking coverage or looking to enhance your protection by adding a supplemental policy to your current plan. Our experienced advisors will review the new policy's waiting period, ensuring it aligns with your existing coverage, and suggest shorter periods for quicker benefits or longer ones to help reduce premiums. ## Our Income Protection Tool Understanding your income risk is crucial in safeguarding your future. With over 65 years of supporting Texas physicians and prioritizing income and financial stability, TMA Insurance Trust offers a quick and straightforward solution: our [Income Protection Gap Calculator](https://www.tmait.org/disability-income-calculator). This tool was designed to help you quickly see which parts of your income are vulnerable until retirement and, therefore, help determine your coverage needs now. Don’t leave your financial stability to chance. Contact a TMA Insurance Trust advisor at 1-800-880-8181, Monday through Friday, 8:00 am to 5:00 pm CST, and let us partner with you in securing your income and protecting your family and lifestyle. [![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 65 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.   1. How Much Disability Insurance Can Be Bought? Investopedia, March 2021 2. The $6,000 benefit is based on $1,500 per week, and the $10,000 is based on $2,500 per week. The monthly amount you receive may be higher.   TMA Member Long Term Disability and Short Term Disability coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500. 1076713-00001-00 ** [ 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) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, 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) [, Short Term Disability ](https://www.tmait.org/blog/topic/short-term-disability) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/locum-tenens-physicians-get-the-insurance-benefits-you-deserve) [Next 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