Jurcak et al (2018) have reported that, in a sample of more than 100 umbral cores in sunspots, the umbral-penumbral boundary (UPB) is characterized by a remarkably narrowly-defined numerical value (1867 G) of the vertical component of the magnetic field. Gough and Tayler (1966), in their study of magneto-convection, showed that the onset of convection in the presence of a magnetic field is controlled by a parameter {delta} which also depends on the vertical component of the field. Combining the Jurcak et al result with various empirical models of sunspots leads us to propose the following hypothesis: the UPB occurs where the vertical field is strong enough to increase the effective adiabatic temperature gradient by at least 100% above its non-magnetic value.