Don’t Let a Busy Schedule Block Your Disability Protection

Life is a constant balancing act. Within your grueling schedule, you’ve meticulously stacked your commitments: caring for patients, charting, procedures, and the occasional family function. Unfortunately, there is one more critical block in this tower that often goes unnoticed until the entire structure comes crashing down.

Let’s be honest: after a long shift, the last thing you want to do is sit down and attempt to decipher the complicated nuances of long term disability. Researching insurance plans isn't just low on your priority list; it’s an intellectual and time burden you simply may not have the bandwidth to carry.

And frankly, you shouldn’t have to. Backed by a long-standing commitment to Texas physicians, we have intentionally curated the TMA Member Long Term Disability insurance plan, issued by The Prudential Insurance Company of America. By applying our deep insight into your specific needs, we provide you with immediate access to the protection you require for your income, your family, and your hard-earned peace of mind.

The Intentional Design of Your Policy

At TMA Insurance Trust, we know exactly how much research it takes to get this right because we’ve already done it. The specialized provisions within this coverage aren’t incidental; they are intentional and the result of a deliberate design based on our understanding of the benefits that provide more comprehensive protection for your income.

1. “Own- Specialty” coverage is a non-negotiable standard.
   For a physician with specialized skills, a massive gap exists if you are unable to perform the specific duties you trained for. We intentionally built this plan with true own-specialty protection to help protect your income, even if you can no longer practice your specialty.
2. Your income protection should be portable and scalable.
   Relying on employer-provided coverage may leave you at risk. Often, that protection stays behind when you change jobs or fails to keep pace with your rising income. Long term disability insurance through TMA Insurance Trust stays with you regardless of your employer. Once you are covered, the Future Increase Option allows you to increase your benefits in the early stages of your career as your salary grows, without the requirement of new medical underwriting.
3. Don’t underestimate the “cost” of DIY research.
   Your time is one of your most valuable currencies. Every hour spent vetting insurance plans is an hour taken away from your family or your practice. We’ve deliberately designed our plans to include the features physicians need—such as student loan reimbursement and catastrophic triggers—so you can skip the research and go straight to security.

Our Research, Your Advantage

Because this plan was intentionally designed to remove the burden of independent research, it includes specialized provisions that help address the real-world risks busy physicians face. Here are some of the core features of the TMA Member Long Term Disability plan.

• Own-Specialty Coverage: Receive benefits if you cannot perform the duties specific to your medical specialty.
• Partial/Residual Benefit: Provides financial support if you can only work part-time, helping to keep your income stable during recovery.
• No Offsets: Receive full benefits regardless of any Worker's Comp, Social Security or other insurance benefits you receive.
• Catastrophic Coverage: Automatically increases your benefit by 20% if you cannot perform two or more Activities of Daily Living (ADLs).
• Future Increase Option: Boost coverage as your income grows without further underwriting—even if your health changes.
• Student Loan Reimbursement: Adds 25% to your benefits (up to $250,000) to help manage education loans.
• 25% Premium Savings: TMA Insurance Trust pays 25% of your premium, potentially saving you thousands over the life of your coverage.
• Easy Application: No income verification for benefits up to $5,000/month; no tax returns needed when applying for benefits up to $18,000/month.
• No Risk: Members may take up to 30 days to decide if the coverage is a good fit and receive a full refund if they decide not to keep it.

By integrating these specialized provisions into a comprehensive plan, we’ve removed the burden of research so you can move forward with confidence that your future is more secure.

Help Secure Your Future Without Sacrificing Your Present

The specialists at TMA Insurance Trust believe your focus belongs on your patients, not on the fine print. We’ve already done the work to help build the protection you need. All that’s left is to contact us at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST, for a streamlined, no-obligation consultation.