Long-term Disability Insurance
A disability can have life-altering consequences. Long-term disability insurance can help protect your income if you can no longer work.
Insurance Tip
Save money on your long-term disability premium by choosing a longer waiting period (before benefits start) or selecting a lower coverage amount. Read more in our Long-term Disability guide.
Download Long-term Disability Insurance guide Download Applying for Long-term Disability Insurance guideHaving a long-term disability plan can be especially important for physicians because:
- Practicing medicine requires physicians to take higher on-the-job risks than some other professionals take.
- Physicians have high rates of musculoskeletal disorders and mental conditions, according to current claims data.1
- You may have higher than average debt due to medical-school loans or loans taken when opening your practice.
TMAIT Advisors have two ways of helping you find the long-term disability plan that meets your needs:
TMAIT Trust products designed exclusively for physicians.
Since 1969, we have worked with The Prudential Insurance Company of America to offer Long Term Disability Plans exclusively to individual TMA member physicians and their dependents. Features of our Long Term Disability Plans, and TMAIT member benefits include:
- Special offers for residents
- A 5-year medical specialty option
- Future insurability option: The ability to increase your coverage without having to take a medical exam
- No offsets: Coverage is not reduced by other disability benefits you may be receiving
- Cost of living adjustment (COLA) benefits
- Catastrophic coverage
- Affordable rates
- Portability — take your policy with you even if you leave your job or the state as long as you remain a TMA member
- Review of claims and underwriting disputes by a board of fellow physicians
- A rate stabilization fund that helps keep your premiums stable
- Support of physician advocacy efforts
TMAIT Advisors can shop the open market for you.
Our Advisors search a wide range of individual long-term disability plans and present a range of options from reputable insurance carriers. We do the legwork. You get the long-term disability plan that best suits your needs.
Our featured Trust Group Long Term Disability Plans
We have worked with Prudential to design Group Long Term Disability Plans that meet the specific needs of individual TMA member physicians and their dependents.
Learn moreRequest a quote
Complete a short online request form and a TMAIT Advisor will contact you with custom pricing, ready to discuss all your options.
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Office overhead expense insurance
Long-term disability insurance helps protect your income, but if you own your own practice, you may also need help paying the rent and employee salaries if you’re disabled. Office overhead expense insurance can help. Learn about office overhead expense insurance
Personal accident insurance
A personal accident policy can give you extra coverage if you are injured, paralyzed, totally and permanently disabled, or killed in a covered accident. Learn about personal accident insurance
1. JHN Disability Fact Book, 5th Edition, 2008
Prudential, the Prudential logo and the Rock Symbol are service marks of Prudential Financial, Inc. and its related entities registered in many jurisdictions worldwide.
Group Long Term Disability Insurance, Office Overhead Expense Insurance, Group Personal Accident Insurance are coverages issued by The Prudential Insurance Company of America, Newark, NJ 07102. All coverages contain exclusions and limitations which are contained in the booklet certificate. Contract series 83500. CACOA# 1179. NAIC# 68241.
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