--- title: TMA Member $5,000/Month Disability Benefit—Protection You Shouldn’t Put Off Securing description: An illness or injury could unexpectedly take you away from your practice, creating uncertainty at a time when security matters most. image: https://www.tmait.org/hubfs/March%202025/March%202025%20Week%203%20-%20LTD.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 ![Woman on Phone](https://www.tmait.org/hubfs/March%202025/March%202025%20Week%203%20-%20LTD.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # TMA Member $5,000/Month Disability Benefit—Protection You Shouldn’t Put Off Securing 15 March 2025 Your skills and expertise are more than just part of your profession—they’re your greatest assets. They’ve shaped your career, supported your goals, and helped you build a strong financial foundation.* But your ability to earn an income isn’t guaranteed.* An illness or injury could unexpectedly take you away from your practice, creating uncertainty at a time when security matters most. That’s why long term disability insurance is an essential safeguard for your financial well-being. If you’re weighing the expense, unsure about the application process, or wondering whether your current coverage provides the level of income protection you need, the TMA Member Long Term Disability Insurance plan, **issued by The Prudential Insurance Company of America,** helps address those concerns with physician-focused features and potential cost-saving advantages. **As a member, you can apply for an exclusive $5,000/month long term disability benefit without having to verify your income, and benefits will be paid regardless of any other coverage you may have.** [![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*** ## A Smart Way to Help Protect Your Income If you have employer-provided disability insurance, it may seem like enough. However, most plans replace only 60% of your income1, and if employer-paid, those benefits are typically taxable—reducing what you ultimately receive. Additionally, employer plans may place limits on the benefits you receive and may not follow you if you change jobs. The TMA Member Long Term Disability Insurance plan offers more comprehensive protection with benefits that are typically only available as costly add-ons with other policies: - **Own Occupation Coverage** ensures benefits continue up to your Social Security retirement age if you can no longer practice in your medical specialty. - **No Offsets**—benefits are paid in full regardless of other insurance payouts. - **Partial/Residual Benefits** provide income support if a disability limits you to part-time work. - **Catastrophic Benefits** offer a 20% benefit increase if you cannot perform two or more Activities of Daily Living (ADLs). - **Future Increase Option** allows your coverage to grow as your income does—without additional underwriting. - **Student Loan Reimbursement** provides an extra 25% in benefits (up to $250,000) for physicians under 40 to help with outstanding education loans. Whether you stay in an employed setting or open a practice of your own, this plan provides built-in benefits and **portable coverage** (as long as you remain a TMA member), adapting to your career and helping to protect your income. ## Savings That Add Up For many physicians, cost is a deciding factor in choosing disability insurance. The TMA Member Long Term Disability Insurance plan helps make coverage more accessible and budget-friendly with: - **Lower premium rates** compared to individual plans. - **Unisex pricing **allows women physicians to save up to 40-50% since pregnancy-related underwriting typically results in higher rates for an individual policy. - **A 25% Thank You Credit*** that saves you money on monthly premiums over the life of your policy. This credit is TMA Insurance Trust’s way of recognizing your dedication to caring for Texans, and supporting you as you continue providing for your patients and community. ## Apply with Ease If concerns about time and effort have kept you from securing coverage, this plan simplifies the process so you can apply without unnecessary steps or delays. Here’s how: - **No income verification is required. **As a TMA member, you can apply for an exclusive $5,000/month long term disability benefit** **without financial documentation. (Coverage up to $18,000/month is available with underwriting.) - **Simplified underwriting** (compared to an individual plan). - **Faster access to benefits** with a 30-day waiting period option—unlike many policies that have a 90-day wait. Benefits are paid in full, regardless of any other coverage you have. Your income supports everything you’ve built; we want to help you protect it. Get started today—call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. When you call, a knowledgeable TMA Insurance Trust advisor will answer live to assist you. If you prefer, you can fill out a contact request form on the website. An advisor will follow up at your convenience to walk you through your options. [![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 70 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. 1. How Much Disability Insurance Can Be Bought?, Investopedia, March 2021   *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 coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all plan information, including limitations and exclusions. CA COA #1179, NAIC #68241. Contract Series 83500 1085392-00001-00 ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, 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/guaranteed-acceptance-get-up-to-6000-month-with-tma-member-short-term-disability) [Next Entries**](https://www.tmait.org/blog/explore-your-group-health-insurance-options-with-expert-guidance) ## 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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [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) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ## 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 - [Practice Owners (218)](https://www.tmait.org/blog/topic/practice-owners) - [Women Physicians (182)](https://www.tmait.org/blog/topic/women-physicians) - [Independent Physician (175)](https://www.tmait.org/blog/topic/independent-physician) - [Young Physicians (163)](https://www.tmait.org/blog/topic/young-physicians) - [Insurance for Women (162)](https://www.tmait.org/blog/topic/insurance-for-women) - [Employed Physicians (155)](https://www.tmait.org/blog/topic/employed-physicians) - [Locum Tenens (136)](https://www.tmait.org/blog/topic/locum-tenens) - [Residents (134)](https://www.tmait.org/blog/topic/residents) - [Disability Insurance (128)](https://www.tmait.org/blog/topic/disability-insurance) - [Health Insurance (127)](https://www.tmait.org/blog/topic/health-insurance) - [Practice Managers (94)](https://www.tmait.org/blog/topic/practice-managers) - [Life Insurance (86)](https://www.tmait.org/blog/topic/life-insurance) - [Independent Contractor (84)](https://www.tmait.org/blog/topic/independent-contractor) - [Open Enrollment (73)](https://www.tmait.org/blog/topic/open-enrollment) - [Group Benefits (65)](https://www.tmait.org/blog/topic/group-benefits) - [Group Coverage (61)](https://www.tmait.org/blog/topic/group-coverage) - [Retired Physicians (59)](https://www.tmait.org/blog/topic/retired-physicians) - [Individual Coverage (58)](https://www.tmait.org/blog/topic/individual-coverage) - [Nearing Retirement (57)](https://www.tmait.org/blog/topic/nearing-retirement) - [Family (52)](https://www.tmait.org/blog/topic/family) - [Medicare (43)](https://www.tmait.org/blog/topic/medicare) - [Medical Practice (39)](https://www.tmait.org/blog/topic/medical-practice) - [Business Overhead Expense Insurance (35)](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) - [Practice Management (35)](https://www.tmait.org/blog/topic/practice-management) - [Critical Illness Insurance (33)](https://www.tmait.org/blog/topic/critical-illness-insurance) - [Medicare Part D (31)](https://www.tmait.org/blog/topic/medicare-part-d) - [Dental Insurance (30)](https://www.tmait.org/blog/topic/dental-insurance) - [Medicare Supplement (29)](https://www.tmait.org/blog/topic/medicare-supplement) - [Life Events (28)](https://www.tmait.org/blog/topic/life-events) - [Insurance For Good (26)](https://www.tmait.org/blog/topic/insurance-for-good) - [Business of Medicine (25)](https://www.tmait.org/blog/topic/business-of-medicine) - [Auto Insurance (21)](https://www.tmait.org/blog/topic/auto-insurance) - [Accident Insurance (20)](https://www.tmait.org/blog/topic/accident-insurance) - [Homeowners Insurance (19)](https://www.tmait.org/blog/topic/homeowners-insurance) - [Retirement (15)](https://www.tmait.org/blog/topic/retirement) - [Short Term Disability (15)](https://www.tmait.org/blog/topic/short-term-disability) - [Young Physicans (15)](https://www.tmait.org/blog/topic/young-physicans) - [Medical Insurance (12)](https://www.tmait.org/blog/topic/medical-insurance) - [Featured (11)](https://www.tmait.org/blog/topic/featured) - [Medigap (11)](https://www.tmait.org/blog/topic/medigap) - [Accidental Death and Dismemberment (10)](https://www.tmait.org/blog/topic/accidental-death-and-dismemberment) - [HSA (10)](https://www.tmait.org/blog/topic/hsa) - [Personal Umbrella Insurance (10)](https://www.tmait.org/blog/topic/personal-umbrella-insurance) - [Insurance Review (9)](https://www.tmait.org/blog/topic/insurance-review) - [Renters Insurance (9)](https://www.tmait.org/blog/topic/renters-insurance) - [Term Life Insurance (9)](https://www.tmait.org/blog/topic/term-life-insurance) - [Auto & Home Insurance (8)](https://www.tmait.org/blog/topic/auto-home-insurance) - [Supplemental Hospital Indemnity Insurance (6)](https://www.tmait.org/blog/topic/supplemental-hospital-indemnity-insurance) - [Travel Insurance (6)](https://www.tmait.org/blog/topic/travel-insurance) - [Comparing Insurance Providers (3)](https://www.tmait.org/blog/topic/comparing-insurance-providers) - [Pet Insurance (3)](https://www.tmait.org/blog/topic/pet-insurance) - [Short-Term Medical Insurance (3)](https://www.tmait.org/blog/topic/short-term-medical-insurance) - [Medevac Insurance (2)](https://www.tmait.org/blog/topic/medevac-insurance) - [Office Overhead Expense Insurance (2)](https://www.tmait.org/blog/topic/office-overhead-expense-insurance) - [Vision Insurance (2)](https://www.tmait.org/blog/topic/vision-insurance) - [COVID-19 FAQs (1)](https://www.tmait.org/blog/topic/covid-19-faqs) - [Financial Advice (1)](https://www.tmait.org/blog/topic/financial-advice) - [Key Person Insurance (1)](https://www.tmait.org/blog/topic/key-person-insurance) - [Prescription Drug Coverage (1)](https://www.tmait.org/blog/topic/prescription-drug-coverage) [See all](https://www.tmait.org/blog/tma-member-5000-month-disability-benefit-protection-you-shouldnt-put-off-securing-ltd#) ### Newsletter signup to receive our monthly newsletter [* * Contact Us](https://www.tmait.org/blog/tma-member-5000-month-disability-benefit-protection-you-shouldnt-put-off-securing-ltd#bott-scroll) ![border](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/border.png?width=1200&height=44&name=border.png "border") ### Quick Links - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Home](https://www.tmait.org/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Testimonials](https://www.tmait.org/testimonials) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [About](https://www.tmait.org/about) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Privacy Policy](https://www.tmait.org/privacy-policy) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Contact](https://www.tmait.org/contact) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Resources](https://www.tmait.org/resources) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Our Blog](https://www.tmait.org/blog) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Self-Service Portal](https://tmait.aebsys.com/#/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Anticipate Joy](https://www.tmait.org/anticipate-joy) ### Connect With Us - [* *](https://www.facebook.com/TMAInsuranceTrust) - [* *](https://twitter.com/TMAIT) - [* *](https://www.youtube.com/user/TMAInsuranceTrust) We were created and are exclusively endorsed by the [Texas Medical Association](https://www.texmed.org/) © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST ![](https://googleads.g.doubleclick.net/pagead/viewthroughconversion/956622860/?value=0&guid=ON&script=0) ![](https://analytics.twitter.com/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://analytics.twitter.com/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0)