As a physician, your income is the backbone of your lifestyle. Imagine dedicating your entire life to your medical specialty, only to face the uncertainty of an illness or injury that prevents you from working. If your income is not protected, even a temporary loss could have long-lasting financial consequences.
At TMA Insurance Trust, we recognize the unique challenges physicians face. Our mission is to provide you with the added peace of mind that comes with comprehensive disability insurance. With decades of experience serving Texas physicians, we understand that disability insurance is not just about coverage—it’s about helping to ensure your plans for the future are secure.
Preparing for the Unexpected
If we had the ability to foresee the future, we could help you avoid any unexpected events that might jeopardize your finances. While we can't predict the future, we can offer the next best thing: a tailored protection plan with comprehensive disability insurance designed to help meet your needs in the event of a sudden illness or injury.
Our TMA Member Plans, issued by The Prudential Insurance Company of America, include many essential features that are typically costly add-ons with other plans. Here are some highlights:
- Own Occupation Coverage: Help protect your ability to work in your specific medical specialty. If an illness or injury prevents you from performing the duties of your specialty, you can still receive benefits.
- Partial/Residual Benefit: If you can only work part-time due to a disability, you can still receive partial benefits to help maintain your financial stability.
- No Offsets & Catastrophic Coverage: Our Member Plan ensures that your benefits remain intact, even if you receive other insurance payouts. Additionally, your benefits automatically increase if you are unable to perform certain daily activities due to a catastrophic disability.
- Future Increase Option & Student Loan Reimbursement: As your income grows, so can your coverage, without the need for additional underwriting. The Cost of Living Adjustment (COLA) will help protect the buying power of your benefits against inflation with automatic annual increases. Our Member Plan also offers up to $250,000 in student loan reimbursement, helping to provide extra financial relief at no extra cost.
- Affordable Rates with Significant Savings: Our Member Plan offers affordable rates, including a 25% "Thank You" Credit*, which can save you thousands of dollars over the life of your coverage.
Take Control of Your Financial Future
We make it easy for you to get the coverage you need. Our Member Plans offer the same rates for male and female physicians, which can provide significant savings for women over individual policies. Our advisors are available to guide you through a simplified underwriting process.
As a full-service insurance agency, TMA Insurance Trust partners with leading disability insurance companies to meet the diverse needs of all our members. For example, if you need more coverage than what is offered in a standard policy, we work with Lloyd’s of London to provide higher monthly benefit coverage than can be secured by a domestic carrier. If you are a high-income earner and need to protect more of what you earn, this coverage may be the right fit for you.
Don’t leave your financial future to chance. Whether you're planning for retirement or simply seeking to secure your income, explore your options for disability insurance by contacting one of our experienced advisors today at 800-880-8181, Monday to Friday, from 8:00 AM to 5:00 PM CST. Take control of your financial future with confidence.
For over 65 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.
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