At TMA Insurance Trust, we’ve spent years working alongside Texas physicians. We appreciate the path you have taken to get here and the commitment it takes to build your career while balancing so many other demands.
That perspective carries into how we approach what’s impacting physicians today, including how disability insurance is priced in the individual market.
The Reality of Market Pricing
You have likely noticed a frustrating trend: women physicians are often quoted a premium price 40% to 50% higher than those of male physicians for the same long term disability coverage. While the industry points to statistical risks, like pregnancy, it does not change the impact on your bottom line. That may lead you to make coverage decisions based on cost rather than what you actually need.
We saw this pattern and believed it was important to address. We worked with The Prudential Insurance Company of America to design the TMA Member Long Term Disability Insurance plan with a different approach: we eliminated gender-based pricing.
Your Plan Highlights
With your TMA member plan, gender-neutral rates mean you aren’t paying more than your male colleagues. In addition, TMA Insurance Trust covers 25% of your premium as part of our Insurance For Good promise. Own-specialty coverage is included, with comprehensive benefits designed to be paid until you reach your Social Security retirement age, so it’s already part of the plan rather than something you need to add at an extra cost.
Beyond pricing, we’ve also simplified the application process. You can apply without the extensive financial documentation often requested elsewhere—no tax returns or lengthy administrative hurdles.
What This Means for You
Your income supports the people you love and the life you’ve created. Disability insurance is one of the most important insurances to have because it helps replace a portion of your income if you’re unable to work. It shouldn’t come with a built-in pricing disadvantage.
As we recognize Disability Insurance Awareness Month, it’s a good time to take a closer look at your options. When gender-based pricing is removed, key features are included in your plan, and we pay 25% of your premium, the overall cost of your long term disability insurance can be more affordable. Whether it’s now or later, we’re here to help you find what best fits your needs.
Call us at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
The TMA Member Long Term Disability Insurance Plan
- Simplified application process. Apply for up to $5,000/month without income verification or extensive financial documentation, including tax returns, with options up to $18,000 available through simplified underwriting.
- Gender-neutral rates. No higher premiums based on gender.
- Future Increase Option. Apply for additional coverage later without further underwriting.
- Own-specialty coverage included. Benefits are paid if you’re unable to perform your medical specialty, even if you are able to work in another role.
- Partial/Residual Benefits. Support your income if you return to work part-time during recovery.
- No offsets from other sources. Payments are not reduced by other insurance or benefits.
- Catastrophic Coverage. Increases your monthly benefit if you’re unable to perform two or more Activities of Daily Living.
- Student loan support. Receive an additional 25% benefit (up to $250,000) to help preserve your primary benefit for everyday expenses.
- Dedicated claims support. A TMA Insurance Trust staff member assists you throughout the claims process.
- Premium contribution. TMA Insurance Trust contributes 25% toward participating members’ premiums.
- 30-day review period. Review your plan with the option for a full refund if you decide not to keep it.
- Opportunity for BOE coverage. Eligible physicians may receive a guaranteed acceptance offer for Business Overhead Expense coverage after approval.
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. Contract Series 83500.
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