As a medical practice owner, you work incredibly hard for the benefit of your patients, and you deserve sincere and whole-hearted thanks. We appreciate all the good you do for your patients, your staff, and your community.

One of the ways we have chosen to express our appreciation is by creating the TMA Member Business Overhead Expense plan issued by The Prudential Insurance Company of America. This plan is designed to help protect your practice, and your savings if you become too sick or injured to work. If you don’t already have this coverage, now may be the right time to seriously consider it.

As a physician you’re probably well aware of the importance of disability insurance. It is generally considered essential coverage by most industry experts.

But like most physicians, you’re also likely to be extremely busy. And disability insurance may not be on the top of your mind – especially if you already have a policy.

But what if you could pay 25% less for a quality disability insurance policy? Would it be worth your time to learn more?

No one understands Texas physicians better than the TMA - that’s why, in 1955, the TMA Insurance Trust was founded. Our goal is to take care of your needs like no other insurance company can. One of the ways we are striving to do this is by expanding our coverage and making more insurance products available to our valuable members.

Do you have enough life insurance coverage? Perhaps you may believe that, while you have some insurance, you would like to have increased coverage. But obtaining additional insurance may seem like an inconvenience - and with the demanding workload you have as a physician, you don’t have the time to deal with the process.

That’s why we at TMA Insurance Trust are excited to share with our members a way to get up to $1,000,000 in life insurance coverage with an online application process that is streamlined to save you time and effort.

There are some people who believe that if they don’t buy health insurance during the Open Enrollment period at the end of the year, they won’t be able to get health insurance until open enrollment begins again. But for physicians in certain circumstances, health insurance may be available at other times. In fact, you may be eligible right now to review your coverage and make changes.

As a solo practitioner or partner in a practice, you’re responsible for paying monthly overhead expenses that keep your business up and running. If something happens and you’re unable to work due to a disabling injury or illness, the personal disability insurance you have won’t be enough to cover your payroll and business operating expenses.

Question: Would you purchase insurance that protects just half of your house? What about half your car? Or your family?

Most likely you would not. So why would you settle for insurance coverage that might only protect half of your finances?

As a resident, you may believe that you don’t need to think about long-term disability insurance, since it is part of your employer-provided benefits package. It is reasonable to feel confident in the benefits provided by your employer. But to be sure that your disability insurance will help protect your finances properly in the event of a serious accident or illness, you should look closely at your insurance protection to make sure it fits your situation; and as a resident, you may have specific needs that your employer-provided coverage simply cannot meet.