--- title: Protecting Your Income is Vital – But it Can Also Be Affordable description: It’s important that you have a way to protect your income in the event you become sick or injured and cannot work. image: https://www.tmait.org/hubfs/March%202022/March_2022_week_2_Disability_Insurance.1.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/March%202022/March_2022_week_2_Disability_Insurance.1.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Protecting Your Income is Vital – But it Can Also Be Affordable 12 March 2022 [![Quick Takeaways 3](https://www.tmait.org/hs-fs/hubfs/March%202022/Quick%20Takeaways%203.png?width=235&name=Quick%20Takeaways%203.png)](https://www.tmait.org/disability-income-calculator)Most of us are used to the idea of having insurance to protect what’s important in our lives – like our health, our home, and our car. But we don’t often think about protecting the very thing that’s vital to the financial well-being of our family – *our ability to earn a living.* As a physician, it’s likely that you earn a good living. You’ve achieved that through years of dedication, hard work and sacrifice. Therefore, it’s important that you have a way to protect your income in the event you become sick or injured and cannot work. ## Don’t Risk Your Financial Future It goes without saying that if you couldn’t work, you’d have a hard time supporting your family and maintaining the lifestyle you’re used to living. For most physicians, the long-term effect of not working could be financially disastrous. And if you think the chances of this happening while you’re young and healthy are slim, consider this: In a 2019, JAMA reported that in a survey of physicians who reported a disability**, over 16% were under age 40.*** That’s why there’s long term disability insurance – to provide income in the event you become unable to work due to illness or injury. The question then is: how much coverage – or income protection – do you actually need? [![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*** ## See Your Risk With This Simple Tool Some physicians already have some disability coverage. Others have none. To help determine how much income protection you may need, try our quick and easy **Unprotected Income Calculator**. Enter a few facts anonymously and you’ll get a quick look at **how much of your income is not protected until retirement**. Once you know this there are ways to close the gap with various disability insurance options. [![Click Here to Try Our Unprotected Income Calculator](https://no-cache.hubspot.com/cta/default/400074/f976aa7a-da95-4641-9694-2f50343c546a.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f976aa7a-da95-4641-9694-2f50343c546a) ## Discover What Makes Our Advisors Different If you’d like to discuss which disability options might be right for you our advisors can help. We work with multiple carriers so we can provide you with the most affordable insurance solution that works with your budget and your needs. If you have an older plan, our advisors can review it. They may recommend you keep that coverage because you got it when you were likely younger and healthier and the rate was more advantageous. In that case, they may suggest a supplemental plan to increase your coverage. That’s something you can discuss with them in a no-cost, no-pressure consultation. One principal difference between our advisors and other insurance agents and brokers is that our advisors do not receive any sales-based commissions – so your interests always have and always will come first. ## Start Now With a Stress-Free Call Protecting your income shouldn’t be left to chance or neglect. Speak with an advisor at 800-880-8181 Monday through Friday 8:00 to 5:00 CST. [![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 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) ** [**Previous Entries](https://www.tmait.org/blog/life-moves-fast-is-your-life-insurance-keeping-up) [Next Entries**](https://www.tmait.org/blog/group-health-insurance-multiple-plans-personalized-coverage-minimal-stress) ## Recommended Posts ### [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) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ## Speak with a TMA Insurance Trust Advisor: * Nouri et al. "Estimated prevalence of US physicians with disabilities." 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