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.

Whether you're shopping for disability insurance or reviewing your current coverage, you understand the importance of protecting your income if an injury or illness disrupts your ability to work. As you compare your options, it's natural to ask: Why is disability insurance so expensive? Am I paying more than I have to? And does paying less have to mean giving up important benefits?

It’s your day off, so you decide to catch up on some much-needed yard work. But a single misstep on a ladder or a sudden fall can result in a severe, life-altering injury in an instant. If the unthinkable happened, how would your family cope with the sudden financial strain, and how would it impact the lifestyle you’ve worked so hard to build?

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.

Dr. Lopez had repeatedly seen the online ads.*

Life insurance in minutes. No medical exam required. Apply online, get covered today.

She already had a policy in place, but it had been set up years ago. With her family growing and her practice evolving, she knew it was time to revisit the numbers. Applying online looked simple, something she could take care of in one sitting without adding more to her busy schedule.