--- title: "Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short" description: As an employed physician, you may assume your income is fully protected because you already have disability coverage through work. image: https://www.tmait.org/hubfs/May%202026%20Week%202%20-%20LTD%201.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 ![Young male physician working on a computer at a desk](https://www.tmait.org/hubfs/May%202026%20Week%202%20-%20LTD%201.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short 9 May 2026 Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short 7:16 When it comes to your financial health, a significant risk often hidden in plain sight might be in your employer’s long term disability benefit package. As an employed physician, you may assume your income is fully protected because you already have disability coverage through work. It feels like a solid foundation, and in many ways, it is. But as your career and income grow, that foundation can develop significant gaps. Seeing long term disability insurance on a benefits summary often creates a false sense of security. Once you calculate the after-tax and after-cap reality, it becomes clear that employer coverage is merely a starting point. The TMA Member Long Term Disability Insurance plan, **issued by The Prudential Insurance Company of America,** is designed to bridge the gap and provide comprehensive income protection by supplementing your existing work benefits. ## Looking Beyond the Benefits Summary [![May 2026 Week 2 - Takeaways](https://www.tmait.org/hs-fs/hubfs/May%202026/May%202026%20Week%202%20-%20Takeaways.jpg?width=275&height=314&name=May%202026%20Week%202%20-%20Takeaways.jpg)](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short#plan)TMA Member Long Term Disability Insurance is not a generic, off-the-shelf policy. It was designed specifically for physicians who require stronger income protection than an employer plan typically provides. Looking beyond the surface of your benefits summary can help you identify several critical factors that impact your coverage: **The 60% Rule:** Most employer plans typically replace about 60% of your base salary. On the surface, that sounds manageable. However, if your employer pays the premium, those benefits are taxable as income. When you factor in federal taxes, you may be left trying to maintain your household, pay your mortgage, and manage student loans on less than half of what you currently take home. In contrast, when TMA Member plan premiums are paid with after-tax dollars and not deducted as a business expense, benefits are generally received tax-free. This preserves more of your income when you need it most. For employed physicians, this is a vital distinction: *because employer-provided benefits are often taxable, the amount you actually receive could be significantly lower than expected. * [![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*** **Hidden Caps:** Some group plans impose a monthly benefit cap, often set at $10,000. If you earn more than $200,000 a year, any income above that amount is essentially unprotected. **Offsets**: Verify the fine print to see if your policy includes offsets. This means if you receive Worker’s Compensation or Social Security Disability benefits, your employer-paid benefit is reduced by those amounts. Instead of adding to your safety net, those extra resources simply replace what the insurance company would have paid you. **The "Any Occupation" Clause:** Many employer-provided plans offer own-occupation coverage, but only for a *limited time,* typically the first 24 months. After that window closes, the policy definition often switches to "any occupation." This means that if you are physically able to earn an income performing *any* type of work, even outside of the medical field, your benefits could be terminated. **Lack of Portability:** One of the most overlooked risks of group coverage is a *lack of portability*. Your employer’s coverage is a perk of your current job; if you move to a different hospital system, join a new group, or transition to private practice, that protection stays behind. By securing your own supplemental plan, you ensure your protection is tied to your career, not your employer. You shouldn’t have to spend your limited free time vetting insurance markets or worrying about whether your family is fully protected. We have made it our job to guide you beyond your employer benefits to help make sure your coverage is as comprehensive as it needs to be. ## Specialized Coverage for the Employed Physician We have developed a solution to strengthen your existing coverage, bridging the gap between a standard disability policy and the robust protection your career requires. In a time of rising costs and increasing financial responsibilities, partial income coverage is a risk you cannot afford. Using the TMA Member Long Term Disability Insurance plan to supplement your current coverage can help you be less financially vulnerable and more prepared as you strive to secure your family’s future. Set up your safety net today and let us help you bridge the gap in your coverage by calling **800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST** to speak with an experienced advisor. [![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/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short#paragraph) What’s Included in the TMA Member Long Term Disability Insurance plan: - **No Tax Returns Required:** Apply with our simplified process for up to $5,000 per month with no income questions, or up to $18,000 per month without providing proof at the time of application. - **Higher Benefit Levels Available:** Apply for up to $18,000 per month with simplified underwriting and TMA member pricing. - **25% of Premium Paid For You:** Our goal is to help members afford this vital coverage. That's why we have paid 25% of participants' premiums since 2018 as part of our Insurance For Good program. - **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 Add Up:** TMA members receive an ongoing* 25% savings credit *on their Own-Specialty coverage, exclusive to members and part of our Insurance For Good promise. - **Opportunity for BOE coverage: ** Eligible physicians may receive a guaranteed acceptance offer for Business Overhead Expense coverage after approval. - **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/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short#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. 1091034-00001-00 ** [ 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 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) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) [Next 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