--- title: See The Risk to Your Future Income In Just Minutes description: In just minutes you can see how much of your future income may be unprotected – based on simple information you provide anonymously. image: https://www.tmait.org/hubfs/July%202021/July_2021_Week_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/July%202021/July_2021_Week_1.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # See The Risk to Your Future Income In Just Minutes 3 July 2021 For most physicians, disability insurance is a given. Indeed, it’s considered an essential form of income protection. But assuming you have a disability insurance plan, it may surprise you to learn just [how much of your future income is not protected](https://www.tmait.org/disability-income-calculator).**** ## New Quick Tool Shows Risk to Future Income At TMA Insurance Trust we want to help you protect as much of your income as possible. To do that, it’s important to understand [how much of your income may not be protected **– **all the way to retirement](https://www.tmait.org/disability-income-calculator). To that end, we’ve created the [Unprotected Income Calculator](https://www.tmait.org/disability-income-calculator). In just minutes you can see how much of your future income may be unprotected – based on simple information you provide anonymously. [![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) 7:30 – 5:30 CST Monday – Friday*** ## See a Hypothetical Example Here’s a hypothetical example of what the Unprotected Income Calculator might reveal about the future income risk of a “typical” physician: *Dr. Summers is a 42-year-old physician specializing in emergency medicine. She has a family, a single family home with a mortgage and two vehicles that she leases. Her annual income is $228,000 a year. She secured a disability insurance policy when she left residency that provided a monthly benefit of $7,000 should she become too ill or injured to practice. Dr. Summers would like to retire by age 67. * [By using our quick and easy calculator](https://www.tmait.org/disability-income-calculator), Dr. Summers would learn the following: - Number of years to retirement: **25** - Total projected income to retirement: **$5,700,000** - Protected income to retirement: **$2,100,000** - Unprotected income to retirement: **$3,600,000** - Percentage of income not protected by disability insurance: **63.2%** Dr. Summers can now see that given the monthly benefit of her current disability plan, a large percentage of her projected future income is not protected. The question is: If Dr. Summers becomes too sick or injured to work, **could her family live on an income that is reduced by over 63%? ** ## Protect Your Family and Future Income Once you know how much of your future income is at risk you can determine the right amount of coverage you need to protect your family accordingly. If you do wish to obtain more coverage you’re welcome to speak with one of our advisors. They can review ways to increase your coverage – without overextending your budget. They’re available toll-free at [1-800-880-8181](tel:1-800-880-8181) weekdays from 7:30 am to 5:30 pm CST to answer questions and review your current disability coverage. Isn’t it worth a few minutes to find out if you’re exposing hundreds of thousands, or even millions of dollars of future income over the course of your career. [Try our Unprotected Income Calculator now](https://www.tmait.org/disability-income-calculator). [![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/see-your-lower-rate-for-disability-insurance) [Next Entries**](https://www.tmait.org/blog/a-simple-affordable-supplement-for-life-insurance) ## 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: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [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) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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