--- title: Why High-Income Earners May Require High-Limit Disability Coverage description: If an unexpected illness or injury prevented you from practicing your specialty, you would need a disability benefit commensurate with your expenses. image: https://www.tmait.org/hubfs/May%202018/Disability_May_Week_4_Retouch.jpg --- - [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 ![](https://www.tmait.org/hubfs/May%202018/Disability_May_Week_4_Retouch.jpg) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Why High-Income Earners May Require High-Limit Disability Coverage 26 May 2018 As a specialist, you possess the ability to earn a sizable income after years of education and training. Yet if an unexpected illness or injury prevented you from practicing your specialty, you would need a disability benefit commensurate with your expenses to avoid depleting your savings and investments, and putting your family’s future at risk. Traditional policies will insure around 65% of your salary with many plans capping benefits at $10,000 to $15,000 a month. If your income rises significantly, the percentage of income covered actually decreases due to limits on the plan’s benefits. In fact, some plans have caps that are so low the disability payments can leave a high- earning physician with a 35 to 75 percent deficit in income. ## High Quality Supplemental Disability Coverage To address this problem, TMA Insurance Trust offers supplemental coverage from major carriers such as Guardian, Principal and Standard. These carriers participate with each other so you can plan on a monthly benefit of $30,000 or more and lock in a rate until age 67. TMA members can also receive an exclusive 10% discount from Guardian for the life of a policy. [![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*** ## Up to $100,000 of Monthly Disability Income for TMA Members Need even more coverage? TMA Insurance Trust offers "own occupation" high-limit disability insurance from Lloyd’s of London. You can choose a benefit amount of up to $100,000 a month. Here’s a hypothetical example of how high-limit disability insurance can supplement group long-term disability and individual-disability coverage to fully protect your income. A successful surgeon discovered a serious deficit in his insurance portfolio during a comprehensive financial review. At the time, his insurance benefits amounted to $21,400 a month, if he became ill or injured. According to his income, he was underinsured by $49,000 a month. With so much at risk, the surgeon decided to purchase a high-limit disability insurance policy to close the gap in coverage. Thanks to his foresight, he was protected when he unfortunately suffered a serious injury. Due to a laceration and nerve damage to his dominant arm, he was unable to operate. Each month, the surgeon would receive a total of $70,400 in benefits from three disability policies: $15,000 from a group long-term disability policy $6,400 from an individual disability policy $49,000 from a high-limit disability policy In addition to the monthly benefits, the surgeon portrayed in this example could purchase a career ending benefit that provides a lump sum payment of $5,000,000 in the event, after a 60-month benefit period, the disability becomes permanent. A high-limit disability policy from Lloyd’s of London can help close the gap left by traditional disability insurance policies in order to fully protect your income should you be unable to work due to an illness or injury.A licensed TMA Insurance Trust advisor can review your current disability insurance and help you design an insurance portfolio that more fully protects your standard of living. For peace of mind, call us today for a free, no-obligation consultation. [![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/why-you-may-need-to-think-again-about-your-disability-protection-ltd) [Next Entries**](https://www.tmait.org/blog/you-built-your-small-practice-were-here-to-help-protect-it-boe) ## 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: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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