--- title: Your Long-Term Disability Insurance May Be Coming Up Short description: If you haven’t updated your policy in years or supplemented your coverage to match your rising income, everything you’ve worked for could be at risk. image: https://www.tmait.org/hubfs/April%202017/Blog%202.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/April%202017/Blog%202.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Your Long-Term Disability Insurance May Be Coming Up Short 8 April 2017 A lot has happened in your life and career since you signed up for your first Long Term Disability (LTD) policy. As a rule, a typical policy is designed to help protect 60 percent of personal income, if you’re unable to work because of an illness or injury*. If you haven’t updated your policy in years or supplemented your coverage to match your rising income, everything you’ve worked for could be at risk. ## Warning Signs Your Disability Insurance Isn’t Doing Its Job - Your salary has increased but your coverage hasn’t kept up with your current income. - Many group plans cap monthly benefits at $10,000, reducing the amount of income you may be expecting. - Your policy covers your base salary, not bonuses, which may be a significant portion of your income. - If your employer is paying your premiums, you’ll have to pay income tax on your benefits, further reducing the benefit amount.** - If you change jobs, you may lose your employer-provided coverage. - In the future, your employer may cut back on benefits. - If your salary is over $200,000, you may not be adequately protected. ## One-Size-Fits-All Doesn’t Work For Physicians If you’re just starting out, you’ll need LTD coverage that’s affordable and easy to apply for. And if your career is in full swing, you’ll need additional coverage to meet rising expenses. A TMA Insurance Trust Advisor can help you tailor coverage to your family’s unique needs. [![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*** ## Select Plans From Reputable, Financially Strong Companies **Starter Coverage** — If you’re a young physician waiting to pay off your medical school debt before buying an individual long-term disability plan, you may want to reconsider. Most disability policies offered by employers don’t provide enough income to pay your expenses, loans and debts. A TMA Member LTD plan, issued by **The Prudential Insurance Company of America**, provides affordable supplemental coverage with a simplified application process. **Comprehensive Coverage** — As a TMA member, you can choose from quality carriers — such as Guardian and Principal — with A and A+ rated companies by A.M. Best, and excellent reliability for payment of claims. Also, take advantage of a **10% member discount** on Guardian policies purchased through TMA Insurance Trust. **Coverage for Higher Incomes** — If you’re unable to buy enough disability coverage to adequately replace your income, we can help you **maximize benefits up to 65–70% of your salary.** TMA Insurance Trust offers a plan, issued by Lloyd’s of London to cover the income gap in traditional long-term disability policies. **Business Overhead Expense Insurance** (BOE) — If you’re a solo practitioner or partner in a small practice, you’ll want to cover your business expenses should you become too sick or injured to practice. The TMA Member BOE plan, issued by **The Prudential Insurance Company of America**, helps you to keep your practice running without having to use your personal disability insurance benefits to help cover both your family's living expenses, *and* the practice's office expenses. This plan offers up to 24 months of coverage, compared to some other plans that offer only 12 months of benefits. Don’t ignore the warning signs. Make sure your long-term disability insurance isn’t putting your family or your practice at risk. Talk to a TMA Insurance Trust Advisor to find out how you can take advantage of the plans and savings available to members. [![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) TMA Insurance Trust is a full-service insurance agency with over 60 years of experience helping Texas physicians protect their assets, family and practice. Advocating for members, TMA Insurance advisors offer unbiased information and strategies, along with exclusive group rates on a range of the highest-rated plans in the industry. And since advisors don’t work on commission, there is never any obligation or sales pressure. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/three-mistakes-to-avoid-when-buying-disability-insurance) [Next Entries**](https://www.tmait.org/blog/tma-members-can-smile-about-these-dental-benefits) ## 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: * Investopedia, How Much Disability Insurance Can Be Bought? 3/4/2021   **Consult your tax advisor on your individual tax situation.   TMA Member Long Term Disability coverage and TMA Member Business Overhead Expense coverage are issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusion, limitations and restrictions, which may apply. 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