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Long-Term Disability Insurance

Becoming a physician isn’t easy. Losing your physician-level income shouldn’t be either.

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Long-term disability insurance, often referred to as income protection, works hard when you can’t. This coverage type protects you from loss of income should a health problem, such as an illness or injury, render you unable to work.

Simply put, disability insurance can help physicians continue to pay bills and support their families until they're able to return to work. Think of it as long-term protection that not only helps protect you and your income, but also your assets, as you are less likely to dip into savings and retirement accounts.

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What Type of Income Protection Do You Need?

We provide two income protection solutions for physicians to choose from, the TMA Member LTD plan and individual disability options through our full service insurance agency.


While the TMA Member Plan was specifically designed with Texas physicians in mind, your medical specialty may require an individual disability plan. Either way, TMA Insurance Trust is here to help.

The TMA Member LTD Plan

Since 1969, we've worked with The Prudential Insurance Company of America, to offer Disability plans exclusively to TMA members.

  • 7-year medical specialty & future insurability options
  • No offsets: Coverage not reduced by other disability benefits
  • Cost of Living Adjustment (COLA) rider
  • Catastrophic coverage option
  • Maximum monthly coverage amount of $15,000

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This insurance is issued by Prudential Insurance Company of America

An Individual Disability Policy

Choose from an extensive list of income protection plans available through A+ rated companies.

  • Recommended for physicians who prefer own-occupation protection until retirement age.
  • True "own occupation" options available
  • Plans available from several top-rated insurance carriers
  • Tailored to fit your specific needs, budget & lifestyle
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Why You Need Long-term Disability Insurance

We understand the statistics below are startling, however, being well-informed to the realities of potentially becoming disabled during your career helps you better prepare yourself for the unexpected.

  • According to the Social Security Administration, one in three working Americans will become disabled for 90 days or more before the age of 65.

  • A 2012 survey by the Consumer Federation of America reported that 77 percent of Americans stated they would suffer great or moderate financial hardship if unable to work for three months. While some people may not report a hardship within a three-month period, what if that period stretched out to three years? How would this affect you?

  • The Council for Disability Awareness states the average individual long-term disability claims lasts for 31.6 months. In addition, one in eight workers will become disabled for five years or more during their working careers.

How We Can Help You

The trusted advisors at TMA Insurance Trust are ready to help you with your long-term disability insurance needs.

Identifying and securing the right income protection for your situation can be a complex undertaking. Our advisors will work with you to find the right plan, or combination of plans, that can provide you with peace of mind, letting you know the assets you have worked so hard to earn is protected.

With an extensive list of Individual Disability Insurance options available through A+ rated companies, click the Request a Quote below or call (800) 880-8181 to speak with one of our trusted representatives about which plan is right for you.

If you’re interested in the TMA Insurance Trust LTD Plan, you may click here to apply today. Please don’t hesitate to contact us for assistance with completing your application!

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A Few Words from Our Customers

“Working with [your advisor] has been the most positive experience we have ever had with an insurance agent.”

Dr. Trent Stephenson

“You’ve been great through this whole process and we really appreciate it.”

Dr. Kevin Cook

“I want you to know I'll never forget your promptness and efficiency, but even more, your kindness.”

Judy Werner

“I think you went above and beyond usual customer service. You were very compassionate and understanding. This has been a very stressful time for my family … know that you make a difference in people’s lives..”

Martha Clower

Get complete coverage to go with your long term disability insurance.

Graduating residents will appreciate this special offer on our Member-Exclusive Plans from Prudential, designed to provide the flexibility to combine insurance plans that continue throughout residency and into your practice. Along with Disability Insurance, this offer also includes Business Overhead Expense Insurance, Term Life Insurance and Personal Accident Insurance plans. Consider exploring these solutions to ensure your coverage portfolio is complete.

Secure the proper protection today with the help of TMA Insurance Trust.