--- title: Disability Insurance Now Costs You 25% Less description: The TMA Member Long Term Disability Plan is designed to provide attractive rates for quality disability insurance from a nationally respected carrier. image: https://www.tmait.org/hubfs/July%202019/July_2019_Week_2_Disability_1.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/July%202019/July_2019_Week_2_Disability_1.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Disability Insurance Now Costs You 25% Less 13 July 2019 ![19-TMA-321](https://www.tmait.org/hs-fs/hubfs/July%202019/19-TMA-321.png?width=219&name=19-TMA-321.png)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? ## We Get to Say “Thank You” – You Get to Pay 25% Less Disability insurance is considered important for every physician because it can help replace your income if you are unable to work due to illness or injury. It is a way to help pay your expenses and support your family’s quality of life while you recuperate. At TMA Insurance Trust we want to help you get the income protection you deserve. That’s why we are now providing a special savings opportunity – a **25% Thank You Credit** for all members who enroll in the **TMA Member Long Term Disability Plan** issued by **The Prudential Insurance Company of America**. The credit is equal to 25% of your insurance premiums. That means premium payments for the TMA Member Long Term Disability Plan **will now be 25% lower** – which could effectively **save you thousands of dollars over the life of the policy**. This is our way of saying “Thank You” for being a TMA member and helping to make it easier for you to secure this important insurance protection. [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/756b48e5-b3c9-429d-bc9d-76714fda3b10.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/756b48e5-b3c9-429d-bc9d-76714fda3b10) ***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## Apply Quickly for a Quality Plan The TMA Member Long Term Disability Plan is designed to provide attractive rates for quality disability insurance from a nationally respected carrier. And now with our **25% Thank You Credit** it can be even more affordable. You’ll also find the application process for The TMA Member Long Term Disability Plan is very simple and quick. TMA members under age 50 can apply for a benefit of up to $10,000/month with simplified underwriting – and benefits of up to $15,000/month are available with full underwriting. If you do have long term disability insurance from another carrier, you can get a benefit of up to $4,000/month from the TMA Member plan – regardless of any benefit you receive from another plan. So if your income and your family have grown since you obtained coverage – and your quality of life has improved – this could be a good time to supplement your current plan for an extra level of financial security and insurance protection. **Highlights of the plan include:** - **25% Thank You Credit** – lowers premium payments by 25% - **Application is quick and simple** - **Cost of Living Adjustment option** - **Student Loan Reimbursement benefit** at no additional cost - **Annual opportunity to increase coverage** up to age 45 - **Catastrophic Disability Benefit** – receive up to 20% additional benefit for covered catastrophic disability ## Now is Your Best Time to Apply Whether you are thinking about new disability coverage – or wish to add to your current coverage – consider taking advantage of our **25% Thank You Credit** for the TMA Member Disability Plan. As a TMA member, you do not have to do anything to receive your **25% Thank You Credit**. Once you are enrolled, the **25% Thank You Credit** will be automatically applied to your premium payments and your statement will reflect your reduced premium.* If you would like to learn more we invite you to speak with one of our advisors. They can provide unbiased information and guidance because they do not work for sales-based commissions. Their only mission is to help you find the coverage that works best for you and your family. There has never been a better time to help protect yourself and your family with the TMA Member Long Term Disability Plan. So call us today at [1-800-880-8181](tel:1-800-880-8181). [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/2ad1eaff-b2f2-4b23-b50a-191eca1a3866.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/2ad1eaff-b2f2-4b23-b50a-191eca1a3866)   For over 60 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. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) ** [**Previous Entries](https://www.tmait.org/blog/how-you-can-save-a-bundle-on-insurance-one-members-story) [Next Entries**](https://www.tmait.org/blog/how-to-help-protect-your-practice-and-your-savings-boe) ## Recommended Posts ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [What the TMA Member Disability Plan Includes That Others Don’t](https://www.tmait.org/blog/what-the-tma-member-disability-plan-includes-that-others-dont) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ## Speak with a TMA Insurance Trust Advisor: * Effective 8/1/2019, TMA Insurance Trust is able to provide participants with a premium credit of 25% that will be applied to their billing invoices, effectively decreasing the amount of their premium payments by 25%. This complimentary premium credit is provided at the sole discretion of TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.   TMA Member Long Term Disability Plan is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. CA COA# 1179, NAIC #68241. 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