--- title: What’s Your Income Protection Plan Now? description: The impact of the current health crisis is causing people in all professions to take stock of how we live and what we can do to best protect ourselves and our families. image: https://www.tmait.org/hubfs/May%202020/May_2020_Week_2_Disability.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 ![two doctors in masks](https://www.tmait.org/hubfs/May%202020/May_2020_Week_2_Disability.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # What’s Your Income Protection Plan Now? 9 May 2020 At this unique moment in time, physicians are facing stark realities that are unprecedented – not just in the field of medicine but in every aspect of our life. The impact of the current health crisis is causing people in all professions to take stock of how we live and what we can do to best protect ourselves and our families. Since the start of the COVID-19 pandemic, we have seen a growing number of physicians reach out for guidance about what they can do to help further protect not only their physical health but also the financial welfare of their loved ones. ## Many Can Use More Income Protection Most physicians know that disability insurance is an important part of what we can do to help protect our long-term financial health. That’s because it can help replace a portion of our income if we are unable to work due to illness or injury. We are finding, however, that many physicians may not have enough coverage. Consequently, if an illness or injury were to prevent them from working for a prolonged period of time, they might find it difficult to meet their living expenses – without tapping sources like savings or retirement funds or taking a loan. ## Does Your Current Plan Provide Enough Insurance Protection? If you are like many physicians, you may have purchased disability insurance when you left residency or soon thereafter. If this is the case, your needs have probably changed since that time. You may have started a family which has grown. You may have moved to a bigger home with a bigger mortgage. In general, your lifestyle may have improved and your living expenses may have increased accordingly. That may require more coverage than you originally obtained. ## Is There a Limit On Your Benefits? Also, it’s likely that your current disability insurance might only cover part of your income. It’s not uncommon for carriers to limit the amount of coverage they offer. You may want to check to see how much of your income is actually covered. It may be less than you think. [![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) 7:30 – 5:30 CST Monday – Friday*** ## Switch Plans or Supplement What You Have? So what should you do if you find there is a gap in your coverage? Our advice generally is this: If you’ve had your coverage for a while, it typically makes sense to keep your current plan –** and to supplement your coverage with an additional plan. ** As mentioned, it’s likely that you bought your current policy when you were younger – and healthier. If you tried to buy a similar policy today – *given your current age and possible health risks* – it could cost much more than what you are paying now. So you may want to think about getting an additional plan to help protect more of your income. ## An Affordable Plan For TMA Members One cost effective option that could work for you is the TMA Member Disability Plan issued by **The Prudential Insurance Company of America**. The TMA Member Disability Plan offers many exclusive benefits to our members. It can be an affordable way to supplement your existing coverage and comes with **a simple, time-saving application process**. You can apply for a monthly benefit of up to $15,000. And if you were to receive a benefit from the TMA Member Disability Plan, it would be **irrespective of the benefit from any other disability insurance you may have.** It also features a** 25% Thank You Credit* – **which can effectively **save members thousands of dollars over the life of the policy. **This is our way of saying “Thank You” for what you are doing to help others today – and every day. ## What If You Don’t Have a Plan? If you have no coverage – or if you are a TMA member and recently lost your disability insurance – we urge you to begin a conversation with one of our advisors. They can help you understand your exposure and explain how, with the TMA Member Disability Plan, **you can get up to a $4000/month benefit without having to verify your income.** ## Speak With An Advisor Now At this challenging time, we want you to know that our advisors are here for you. As always, they do not work for sales-based commissions so their advice comes with no obligation or pressure. ## Sign Up Easily Online If you wish to get started with the TMA Member Disability Plan you can do so immediately with our easy online application. Simply click on the button below to get started. Or, feel free to contact one of our advisors for assistance toll-free at [1-800-880-8181](tel:1-800-880-8181), 7:30 AM to 5:30 PM Monday to Friday CST. Please don’t delay. You can help further protect the financial well-being of your family by clicking the button below. [![I WANT MORE INCOME PROTECTION](https://no-cache.hubspot.com/cta/default/400074/65cf289b-7c41-436e-ac0f-5abeeb8e1399.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/65cf289b-7c41-436e-ac0f-5abeeb8e1399) [![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 60 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. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/life-insurance-essential-affordable-protection-for-your-family) [Next Entries**](https://www.tmait.org/blog/residents-uncertain-times-call-for-essential-protection) ## 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) ## Speak with a TMA Insurance Trust Advisor: *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 is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. CA COA# 1179, NAIC #68241. 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