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

If you look closely at some of the most rewarding moments as a physician, they rarely stay confined to the exam room. A successful diagnosis, treatment plan, and recovery ripple far outward—affecting not only the patient, but everyone who loves and depends on them. At the end of the day, protecting our families and loved ones is a primary concern for all of us.

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.*

Every day, our advisors at TMA Insurance Trust speak directly with independent practice owners across Texas. Lately, one message has become incredibly clear: the high cost of group health premiums is placing a greater financial strain on small to midsize medical practices.

As a dedicated physician, you understand the importance of consulting a specialist when a patient presents with a complex, multifaceted condition. You have also likely seen patients delay seeking care simply because they feel overwhelmed by the process.