Could Joining the Texas Medical Association Actually Lower Your Disability Insurance Costs?
Many physicians find themselves trying to balance two realities — helping protect their family’s financial future while searching for disability insurance that still feels financially realistic in an increasingly expensive market. For a 40-year-old physician seeking a $15,000 monthly disability benefit, coverage from a leading carrier can average around $971 per month.*
TMA Insurance Trust set out to rethink the equation. Through the TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, the total monthly cost for comprehensive physician-designed coverage can be around $265** — a potential difference of $706 per month, or nearly 73% less — even with TMA and County Medical Society membership included.
And now, you have another reason to take a second look: non-member physicians can apply for coverage and complete TMA membership enrollment at the same time.
Naturally, You Have Questions
When physicians see numbers like these, the first reaction is often:
- What am I giving up to pay less?
- How does TMA membership actually factor in?
- Why is the cost so different?
The answers start with how the coverage — and the membership behind it — were designed around the realities of practicing medicine in Texas.
What am I giving up to pay less?
Your lower premium cost does not come at the expense of important protections. It reflects a plan intentionally developed to better support physicians and the demands of practicing medicine.
Built into the plan:
- Own-Specialty Coverage
- Partial/Residual Disability Benefits
- Future Increase Options
- Student Loan Benefits
- Catastrophic Coverage
- No Outside Offsets
Many lower-cost disability policies reduce pricing by limiting key benefits or requiring costly add-on riders. That is simply not the case with the TMA Member Long Term Disability Insurance plan.
How does TMA membership actually factor in?
You may assume the added cost of TMA and County Medical Society membership would offset much of the financial advantage. But the approximately $265 monthly comparison already factors in your:
- Disability insurance premium
- TMA membership
- County Medical Society membership
And that’s where the equation starts to look even better. TMA membership adds meaningful value throughout the year for many Texas physicians and their families.
Membership benefits include:
- Free CME courses with average savings of nearly $2,000 per year
- No-cost confidential mental health counseling through Anticipate Joy
- A 25% premium savings funded by TMA Insurance Trust
- Member rates that have remained stable since 1998
- Professional connection opportunities through TMA and County Medical Society memberships
Why is the cost so different?
Most traditional insurance companies answer first to shareholders. TMA Insurance Trust was created with a different purpose: answering to our TMA members by offering quality, affordable insurance products while helping to strengthen the value of TMA membership.
Because we have no shareholders, surplus funds remain in Texas and are used to sponsor programs and savings that directly benefit TMA member physicians, both personally and professionally. Since 2018, that has included paying 25% of participating members’ long term disability insurance premiums — one of the ways we continue reinvesting in the people behind Texas medicine through an initiative we call Insurance For Good.
This is the “New Math” of disability insurance: meaningful income protection backed by a membership designed to support physicians beyond insurance alone.
Accessing TMA Member Long Term Disability Insurance
Physicians can now apply for coverage and complete TMA membership enrollment through one combined process.
- Click Below to Apply Online or
- Speak With An Advisor
TMA Insurance Trust advisors are non-sales-based commissioned agents, so conversations stay focused on fit, value, and helping physicians understand their options — not upselling. Call us at 800-880-8181 Monday through Friday, 8:00 AM–5:00 PM CST.
This limited-time opportunity offers a new way to move forward and finally make the math on disability insurance work in your favor.
The TMA Member Long Term Disability Insurance Plan
A Straightforward Application Process
- No Tax Returns Required: Unlike other carriers, we never require you to provide your tax returns when applying.
- No Income Verification: Apply for up to $5,000 per month with no income questions.
- Higher Benefit & Less Hassle: Apply for up to $18,000 per month with a simplified application and TMA member pricing.
Core Coverage Features
- Own-Specialty Coverage: Receive benefits if you cannot perform the duties specific to your medical specialty. Benefits continue as long as you are disabled or until you reach Social Security retirement age.
- Partial/Residual Benefits: If a covered illness or injury reduces your income by 20% or more, you can collect benefits even while working part-time during recovery.
- No Offsets: Your benefits are paid regardless of other insurance payouts, including Worker’s Comp, Social Security, or sick leave.
- Catastrophic Coverage: Your benefit automatically increases by 20% if you cannot perform two or more "Activities of Daily Living."
- Future Increase Option: If you secure coverage before age 40, you can increase your benefit as your career grows (up to age 45) without further medical or financial underwriting.
- Student Loan Reimbursement: Members 40 and under can add 25% to their benefits (up to $250,000) specifically to keep student loan payments current during a disability.
Financial Advantages
- 25% Premium Savings: TMA Insurance Trust pays 25% of your premiums.
- Unisex Rates: Unlike individual policies that often charge women higher premiums, our rates are unisex—offering significant savings for women physicians.
- 30-Day No-Risk Period: You have a full month to review your coverage. If it’s not the right fit, you’ll receive a full refund.
Stability & Support
- Affordable Premiums: TMA Insurance Trust has paid 25% of participating members' premiums since 2018, while rates for the plan have remained stable since 1998.
- Proven Reliability: Since 1969, no participant’s coverage has ever been canceled or non-renewed.
- Personal Claims Support: A TMA Insurance Trust staff member will personally assist with forms and updates throughout your claim process.
Additional Benefits For Practice Owners
- For Practice Owners: Once approved for this plan, you may be eligible for guaranteed acceptance for TMA Member Business Overhead Expense (BOE) Insurance using your existing underwriting.
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