--- title: Struggling With Disability Insurance Payments? Consider This description: We understand that at this time you may be concerned about the cost of your disability insurance – and the challenge of making regular premium payments. image: https://www.tmait.org/hubfs/September%202020/September_2020_Week_1_Disability.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/September%202020/September_2020_Week_1_Disability.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Struggling With Disability Insurance Payments? Consider This 5 September 2020 The financial fallout from the coronavirus pandemic has had an impact on virtually everyone, including physicians. As a result, many are looking to eliminate or minimize some of their major personal expenses. We understand that at this time you may be concerned about the cost of your disability insurance – and the challenge of making regular premium payments. You may be thinking: Should I continue to make my payments? Should I look for ways to reduce the cost of my plan? Or should I stop making payments and let my coverage lapse? ## The Importance of Income Protection Now As a physician treating patients during the pandemic, you risk exposure to the virus every day. Our concern is that if you were unable to work due to the coronavirus – or any other serious illness or injury – you could lose your primary source of income. That could put your personal finances – and everything you have worked so hard for – at risk. ## Don’t Give Up What You Have The policy you currently have is a contract between you and the insurance company. If you drop that policy, you would lose all the protections provided by that contract. What’s more, if you were to drop your coverage now, and try to get your own plan again later, new underwriting would be required. You would then be older and may not be as healthy as when you secured your original policy. That could certainly **result in a higher premium than what you are paying today**. Worse yet, you could be denied coverage. [![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*** ## Review Your Policy With an Advisor If you are struggling with your disability payments, we urge you to contact a TMA Insurance Trust advisor to review your current policy. There may be ways to lower the cost by eliminating some riders, adjusting the waiting period or changing the benefit amount. We can explore these types of cost-saving options with all our members. ## TMA Members Have an Additional Option We might also suggest you look into a group plan – which could have a lower premium than the individual plan you have now. One group plan we offer is the TMA Member Long Term Disability Plan issued by **The Prudential Insurance Company of America.** It is available exclusively to TMA members and now comes with savings of up to 25% off our regular rates.* ## Our Goal is to Help Protect Your Income Let our advisors see if they can find savings for you – either with a policy review or a quote on a new plan. Call us at [1-800-880-8181](tel:1-800-880-8181). [![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/help-protect-your-pets-with-pet-health-insurance) [Next Entries**](https://www.tmait.org/blog/disability-insurance-rates-that-dont-discriminate-against-women) ## 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: *Effective 8/1/2019, TMA Insurance Trust is able to provide participants with a premium credit of 25% that will be applied to their billing invoices, effectively decreasing the amount of their premium payments by 25%. This complimentary premium credit is provided at the sole discretion of the TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.   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. 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