--- title: "Women Physicians: Avoid the “Pink Tax” and Save On Disability Insurance" description: As a woman physician, you work the same long hours and provide the same essential service as male physicians. Should you have to pay more to protect your income? image: https://www.tmait.org/hubfs/October%202020/October_2020_Week_3_Disability_Insurance.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 ![](https://www.tmait.org/hubfs/October%202020/October_2020_Week_3_Disability_Insurance.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Women Physicians: Avoid the “Pink Tax” and Save On Disability Insurance 17 October 2020 *The rates for you are very likely higher than those paid by your male colleagues. * In some cases, 40% – 50% higher*. This is what some call a “pink tax’ – a surcharge based solely on the fact that you are a woman. Why is this so? Because statistically, insurance companies find women physicians become disabled more than their male colleagues. ## You Don’t Have to Pay a “Pink Tax” As a woman physician, you work the same long hours, provide the same essential service to your patients, and in today’s world face the same risk of exposure to COVID-19 as male physicians. So should you really have to pay more to protect your income? We don’t think so. ## Get Equal Rates For Equal Protection At TMA Insurance Trust we believe all our members should have access to quality disability insurance that is **equal in cost and coverage – regardless of gender.** We therefore proudly offer all our members equal rates for the TMA Member Long Term Disability Plan issued by **The Prudential Insurance Company of America. ** ## It’s Equitable – and Affordable The TMA Member Long Term Disability Plan is a group plan available exclusively to TMA members. It not only features rates that are equitable, but it is **expressly designed to be more affordable. ** In addition to having “gender neutral” rates, the TMA Member Long Term Disability Plan is a group plan, which is typically less expensive than an individual policy. Plus, the TMA Member Long Term Disability Plan comes with **an exclusive premium credit – with a 25% savings on our regular rates.1** [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/a581b714-b6bf-4728-a9c7-286514196c84.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/a581b714-b6bf-4728-a9c7-286514196c84)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## Apply Easily, Get a Decision Faster Another advantage is that it comes with **a streamlined application** – much simpler compared to an individual disability plan. This leads to streamlined underwriting and a faster approval decision. Members under the age of 50 can apply for **a monthly benefit of up to $10,000** with this streamlined application – and up to $15,000 with more full underwriting. And, you can apply for up to a **$4,000/month benefit with no income verification** – or the need to account for any other coverage you may have. Additional highlights of the plan include: - **Own Occupation benefits** – paid for first 120 months with the potential for benefits to be received beyond this period - **Student Loan Reimbursement (SLR) benefit** – additional payment of up to 25% of your monthly benefit for members under age 40 – up to a maximum benefit of $250,000 - **Cost of Living Adjustment (COLA) provision** - **Annual opportunity to increase coverage** to age 45 ## Review Your Options At No Cost If you would like to more fully review your disability insurance options with one of our advisors – to ensure you get the most suitable plan for your needs – call us at the number below. Our advisors do not work for sales-based commissions so their advice is always given freely and without bias. Your best interests are our only concern. We want to help all Texas physicians keep their income protected – especially now when COVID-19 brings greater risk to our health and our finances. To find a disability plan with equitable rates – and savings too – please feel free to reach out to an advisor at [1-800-880-8181](tel:1-800-880-8181). [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/9fdf176f-45de-4291-9b82-2cffd0a9eca8.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/9fdf176f-45de-4291-9b82-2cffd0a9eca8) 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) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) ** [Insurance for Women](https://www.tmait.org/blog/topic/insurance-for-women) [**Previous Entries](https://www.tmait.org/blog/can-you-count-on-your-life-insurance) [Next Entries**](https://www.tmait.org/blog/its-time-to-see-if-you-can-save-on-your-auto-and-home-insurance) ## 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) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [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) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ## Speak with a TMA Insurance Trust Advisor: * Wall Street Physicians, November 2018 ¹ 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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