Imagine the ripple effects of being unable to work in your medical specialty. Beyond the immediate loss of income, it could mean adjusting career plans, straining family finances, and disrupting the life you’ve worked tirelessly to build. Taking steps today to help protect your income ensures you’re ready for future uncertainties.
As a TMA member, you have access to exclusive benefits designed to help safeguard your income and prepare for the future. You can now apply for up to $5,000 in monthly, long term disability coverage—no income verification or financial documentation required. For those seeking additional protection, the plan allows members to apply for up to $18,000 monthly with additional underwriting.
Why $5,000 Monthly Disability Coverage Matters
Whether you’re a young physician starting your career or an experienced practitioner seeking to supplement your coverage, the TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, offers valuable income protection.
Unlike many policies, this plan doesn’t require full disability to receive benefits. Coverage can begin with as little as a 20% loss of income, providing critical financial support when needed.
Employer-provided plans might seem adequate but often have significant limitations in the payout of benefits. Many replace only 60% of your income, are taxed if employer-paid, and typically exclude bonuses or supplemental earnings. Additionally, these plans are rarely portable, meaning coverage may not follow you if you change jobs. The TMA Member Long Term Disability Insurance plan’s $5,000 monthly benefit is an excellent supplement to existing coverage, accounting for bonuses and additional income sources while helping to bridge coverage gaps and provide comprehensive protection.
Plan Features Included at No Extra Cost
The TMA Member Long Term Disability Insurance plan offers benefits that are often available only as costly riders with other policies, including:
- Own Occupation Coverage: Receive benefits if you cannot perform the duties specific to your medical specialty, ensuring that your specialized skills are protected.
- Partial/Residual Benefit: If you can only work part-time due to a disability, partial benefits help stabilize your income during recovery.
- No Offsets: Your benefits will be paid regardless of other insurance payouts, maximizing your financial security.
- Catastrophic Coverage: An automatic 20% increase in benefits if you cannot perform two or more Activities of Daily Living (ADLs).
- Future Increase Option: As your income grows, so can your coverage—without further underwriting.
- Student Loan Reimbursement: Up to 25% additional benefits (maximum $250,000) to help manage education loans, and help relieve the debt burden during tough times.
- 25% Savings Credit: Premiums are reduced by 25%, offering significant savings over the life of your policy.
- Affordable Premium Rates: Designed to fit your budget while offering comprehensive protection.
- Simplified Underwriting: No income verification is required for monthly benefit amounts up to $5,000, meaning the application process is straightforward, and coverage is easier to obtain.
Compared to individual policies from other providers, the TMA Member Long Term Disability Insurance plan offers comprehensive coverage and significant savings. With flexible options and included features that others often charge extra for, it’s a practical and cost-effective solution for physicians.
A Proven Resource Backed by Decades of Support
Since its launch in 1969, the TMA Member Long Term Disability Insurance plan has been a trusted resource for Texas physicians. Reflecting its unwavering commitment to those it serves, the plan has never canceled or non-renewed a covered member. Over the past 20 years, it has paid more than $137 million in disability claims, providing stability when illness or injury impacts a physician’s ability to work. By replacing a portion of lost income, long term disability insurance helps preserve your financial foundation.
Your Member-Only $5,000 Benefit Starts Here
Your exclusive $5,000/month disability coverage awaits—available only to TMA members. To explore your coverage options, call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST, or apply online by clicking the button below. Our disability insurance experts are ready to help you protect your career and future.
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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