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.

At TMA Insurance Trust, we’ve spent years working alongside Texas physicians. We appreciate the path you have taken to get here and the commitment it takes to build your career while balancing so many other demands.

For many physicians, insurance feels like just another line item on a budget. But what if your insurance could do more than just sit there? At TMA Insurance Trust, we believe that our purpose extends far beyond managing your policies. Founded by physicians, we understand the professional and personal realities and sacrifices of practicing medicine firsthand.

Practicing independently offers a level of professional freedom that many physicians value. It also means taking on responsibilities that rarely come up during medical training. Health insurance is often one of the more time-consuming pieces to sort through.

Most of us think of insurance in practical terms: you pay a premium, and if something happens, you file a claim. But what if it could do more for you? What if its value reached further than your own protection? What if it already was, and you just didn’t know it?

When a serious diagnosis introduces expenses beyond traditional health insurance, including a high deductible, supplemental income support matters. The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America, is intended for situations like these. The following scenario* shows how this critical coverage can play out in practice.