Every day you help patients through life’s unexpected moments. Sometimes, you’re the one facing them.

Every day, Texas physicians care for patients and families through some of life's most important moments. But the work of caring for others comes with responsibilities of its own. The demands of medicine don't end when the workday does, affecting your well-being, your finances, your professional responsibilities, and the people who depend on you.

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.*

Many types of insurance are there for unexpected events. Dental coverage works a little differently because its value often shows up in the habits it helps maintain over time. This is especially noticeable with routine dental care.

Families all across Texas are diving into the heart of summer. Whether your weekends are filled with cycling and water sports or the high-energy of Little League baseball and softball, increased activity often means accidents are bound to follow. In fact, a 2023 study found that pediatric baseball and softball injuries alone accounted for more than 1.37 million emergency department visits over a 10-year period.* While none of us can predict exactly when a fall, a twisted ankle, or a fracture might happen, we can certainly prepare for the financial impact of those unpredictable moments.

It’s the time of year when travel plans start coming together. Maybe it’s a long weekend with your spouse in the mountains, time with your kids or grandkids at the beach, or a trip abroad that you’ve been looking forward to. It’s time you’ve set aside for yourself and your loved ones, and the last thing you want is for something unexpected to get in the way.

Life is a constant balancing act. Within your grueling schedule, you’ve meticulously stacked your commitments: caring for patients, charting, procedures, and the occasional family function. Unfortunately, there is one more critical block in this tower that often goes unnoticed until the entire structure comes crashing down.

A Note from a TMA Insurance Trust Advisor

Lately, I’ve noticed a recurring theme in my conversations with physicians who call TMA Insurance Trust about life insurance.* Many begin their search online, drawn to sites promising coverage in minutes with no medical exam. The appeal is understandable. It’s quick. It’s digital. It feels simple.