--- title: "When Your Family Depends On You: Disability Insurance for Physicians" description: In working with independent physicians, we know that a practice represents more than a business. It reflects a commitment to patients and plays an important role in supporting a family’s future. image: https://www.tmait.org/hubfs/May%202026/May%202026%20Week%201%20-%20LTD.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 ![Happy doctor sitting on the couch with his wife and children](https://www.tmait.org/hubfs/May%202026/May%202026%20Week%201%20-%20LTD.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # When Your Family Depends On You: Disability Insurance for Physicians 2 May 2026 When Your Family Depends On You: Disability Insurance for Physicians 5:26 In working with independent physicians, we know that a practice represents more than a business. It reflects a commitment to patients and plays an important role in supporting a family’s future. When an illness or injury takes you away from your work, the impact of lost income is often felt in two places at once. That’s why disability insurance is an important part of your overall insurance protection and why **how your plan is structured matters.** ## Affordability and Simplicity, Built In [![May 2026 Week 1 - LTD Takeaway 1](https://www.tmait.org/hs-fs/hubfs/May%202026%20Week%201%20-%20LTD%20Takeaway%201.jpg?width=275&height=264&name=May%202026%20Week%201%20-%20LTD%20Takeaway%201.jpg)](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians#plan)The TMA Member Long Term Disability Insurance plan,** issued by The Prudential Insurance Company of America,** is built around the realities of your life as a physician. As a benefit of your TMA membership, TMA Insurance Trust helps cover a portion of participating members’ premiums, and member rates have remained stable since 1998—making the plan more affordable and easy to put in place. *Here’s what that means for you:* **– A more straightforward application process.** Apply for up to $5,000 in monthly tax-free benefits without income verification or extensive financial paperwork. **– Keep more of what you receive.** If disability premiums are paid through your practice as a business expense, payments may be taxable, reducing what you ultimately receive. Choosing the $5,000 option may help preserve more of your income. **– Access to higher monthly amounts without added steps.** Up to $18,000 per month is available through simplified underwriting. **– Built to reflect your specialty.** Own-specialty coverage is included, so there is no need to add it later as a separate cost. If you are unable to perform the duties of your medical specialty, payments continue, even if you are able to work in another role. **– TMA Insurance Trust helps pay your bill.** We pay 25% of your premium, helping reduce your costs from the start. For practice owners, **protecting your personal income is only one side of the equation. **If you’re unable to work due to an illness or injury, the financial responsibility of running your practice continues while you recover. [![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) 8:00 – 5:00 CST Monday – Friday*** ## Extending Insurance Protection to Your Practice Expenses such as rent, payroll, utilities, and other ongoing costs continue whether you are in the office or not. **Business Overhead Expense (BOE) Insurance** is designed to help cover the cost of operating your practice if you are unable to see patients. Once approved for the TMA Member Long Term Disability Insurance plan, physicians who meet certain age and benefit requirements may receive a *guaranteed acceptance offer for BOE insurance using the same underwriting. *This creates a more streamlined way to help address both your personal income and practice expenses, without requiring multiple applications or medical exams. ## A Good Time to Take a Closer Look May is Disability Insurance Awareness Month, a reminder of how quickly time away from your practice can affect both your income and the responsibilities that continue in your absence. You may find it helpful to speak with a TMA Insurance Trust advisor about available options and how these plans can work together to support both your personal finances and your practice. **Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.** [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/c25f2d8f-48ac-45fc-8d98-687064213167.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/c25f2d8f-48ac-45fc-8d98-687064213167) [Return to Paragraph](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians#paragraph) ## **What’s Included in Your TMA Member Plan** *Your plan includes a range of features designed specifically for physicians:* - **No income verification for up to $5,000 benefit.** Higher monthly amounts up to $18,000 available through simplified underwriting. - **Tax-free benefits** when premiums are paid with after-tax dollars. - **Future Increase Option.** Apply for additional coverage later without further underwriting. - **Own-specialty coverage included.** Benefits are paid if you’re unable to perform your medical specialty, even if you are able to work in another role. - **Support during recovery.** *Partial or Residual Benefits *help if you return to work part-time. - **No offsets from other sources.** Your payments are not reduced by other insurance or benefits. - **Additional support for serious conditions.** *Catastrophic Coverage* increases your monthly amount if you’re unable to perform two or more Activities of Daily Living. - **Additional support for student loan payments.** You may receive an* extra 25% benefit* (up to $250,000) to help preserve your primary benefit for everyday expenses. - **Dedicated claims support.** A TMA Insurance Trust staff member assists you throughout the claims process. - **25% premium savings.** TMA Insurance Trust contributes toward participating members’ premiums. - **30-day review period.** You have time to review your plan and receive a full refund if you decide not to keep it. - **Opportunity for BOE coverage.** Eligible physicians may receive a guaranteed acceptance offer for Business Overhead Expense coverage after approval. [Return to Paragraph](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians#paragraph) 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. Contract Series 83500. 1090939-00001-00 ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Insurance Review ](https://www.tmait.org/blog/topic/insurance-review) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) [, Insurance For Good ](https://www.tmait.org/blog/topic/insurance-for-good) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) [Next Entries**](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ## 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) ### [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 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