--- title: You’re a Physician. You’re Healthy. But What If One Accident Changed Everything? description: Dr. Carter had a routine.* Morning coffee. Clinic by eight. She had a full schedule of patients who counted on her steady hands and sharp mind. image: https://www.tmait.org/hubfs/April%202025/April%202025%20Week%202%20-%20LTD-1.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 ![Female Doctor in Hospital](https://www.tmait.org/hubfs/April%202025/April%202025%20Week%202%20-%20LTD-1.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # You’re a Physician. You’re Healthy. But What If One Accident Changed Everything? 12 April 2025 You’re a Physician. You’re Healthy. But What If One Accident Changed Everything? 4:17 Dr. Carter had a routine.* Morning coffee. Clinic by eight. She had a full schedule of patients who counted on her steady hands and sharp mind. After years of training and sacrifice, life finally felt comfortable. Her income covered the mortgage, her kids’ activities, and the growing retirement fund she’d worked hard to build. **Disability insurance?** She had it—employer-provided coverage, just like most physicians. But what gave her real peace of mind was knowing she’d supplemented that coverage through TMA Insurance Trust with the **TMA Member Long Term Disability plan, issued by The Prudential Insurance Company of America**. A colleague had recommended it years earlier—just in case. She never imagined she’d need it. ## The Unexpected Happens Fast It was supposed to be a quick weekend ride—clear skies, quiet roads—until the car came out of nowhere. Multiple surgeries. Nerve damage. Her surgeon was optimistic, but recovery would take time. Months, maybe longer. Time she couldn’t spend seeing patients or performing procedures. Lying in the hospital bed, Dr. Carter wasn’t thinking about work. She was thinking about her family, the mortgage, the bills still rolling in. What if her income stopped? That’s when it hit her—she didn’t have to wonder. She had the additional insurance protection she needed. [![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*** ## Employer Coverage Only Went So Far—But TMA Coverage Stepped In Weeks later, the first check from her employer’s disability plan arrived—and just like she’d heard, it was less than expected. The policy covered 60% of her salary, but only up to $10,000 a month. Bonuses and incentive pay? Not covered. And because the employer paid the premiums, the benefits were taxed. Her actual take-home? Not enough. Not nearly. But that’s where **her coverage through TMA Insurance Trust made all the difference**. With $5,000 in monthly benefits – secured without income verification – she had added income to help manage everyday costs and maintain the life she’d built. **And there was more. **Her plan included** additional benefits – at no extra cost to her **– that helped provide even more income protection. - The **Own Occupation Coverage** meant her benefits kicked in because she couldn’t perform *her specific specialty*. She received an additional 20% in benefits due to the **Catastrophic Coverage** included in the plan, since the initial nerve damage kept her from being able to perform several activities of daily living. - **Partial benefits** were available once she was able to work part-time during recovery. - Her coverage was **portable**—it stayed with her no matter where she practiced next. - There were **no offsets**—the benefit wasn’t reduced by other insurance payouts. - And that **student loan reimbursement benefit**? A huge help—adding up to 25% more coverage to help ease the burden of remaining education debt. ## Planning Ahead Made the Difference As a physician, Dr. Carter knew better than most how fast life can change—and that no one expects an accident or illness to derail their career. In her profession, there’s simply more at risk. That’s why having her own disability coverage in place mattered. Because when the unexpected happened, she wasn’t left scrambling. TMA Insurance Trust was already there, helping her protect what she’d worked so hard to build—without sales pressure, without commissions—just insurance coverage for physicians. And that made all the difference. **If you’d like help preparing for the unexpected**, TMA Insurance Trust is here for you. Our advisors are available Monday through Friday, 8:00 AM to 5:00 PM CST, at 800-880-8181 to answer your questions and discuss your coverage needs. [![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 70 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. * This is a fictional scenario created for illustrative purposes   TMA Member Long Term Disability plan coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all plan information, including limitations and exclusions. CA COA #1179, NAIC #68241. Contract Series 83500 1085830-00001-00 ** [ 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 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) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/protecting-your-legacy-starts-with-the-right-life-insurance-plan) [Next 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