<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1200425829968335&amp;ev=PageView&amp;noscript=1">

Protecting What Matters Most

border

Get Your Disability Benefit Faster – When You Need It Most

We pay for disability insurance for a good reason. We trust it will be there to provide a benefit payment if we get sick or injured and cannot work.

But if you did become ill or injured and couldn’t work, do you know how long it would take to receive your benefit payment? It may be longer than you think.

Waiting Longer Can Cost You Money

With most disability insurance plans you have to wait at least 90 days before you get your first benefit payment. Some policies have waiting periods of up to 180 days. That could be 3 to 6 months before you see your first disability benefit.

Waiting that long could really strain your finances. After all, when you’re not working, your bills will still keep coming. You’ll have rent or mortgage payments, utility bills, student loans and all your basic living expenses. And as usual, they’ll be due promptly every month.

Plus, your disability benefit will almost certainly be less than the income you were earning before you stopped working. That’s typical for virtually all disability plans. So the combination of a long waiting period and reduced income could put you in an even deeper financial hole.

Have questions about your insurance needs? We're here to help - click here or call today
800-880-8181 8:00 – 5:00 CST Monday – Friday

Get Paid Up To 5 Months Faster

There is, however, a way to get your benefit payment faster – when you can really use it. The TMA Member Long Term Disability Insurance Plan issued by The Prudential Insurance Company of America offers the option of a 30-day waiting period. So you could get your benefit:

  • 2 months faster than with a 90-day waiting period
  • 5 months faster than with a 180-day waiting period

Quality Plan From a National Carrier

The TMA Member Long Term Disability Plan provides “own occupation” coverage and is rich in features you might only expect to find with an individual policy. And with cost-effective group rates, it’s designed to provide valuable benefits without breaking your budget.

You’ll also find a streamlined application process that’s much less time-consuming than for an individual policy.

Keep Your Plan – Shorten Your Wait

If you currently have disability insurance, you may not have to drop your plan to get a shorter waiting period. You could consider supplementing your existing coverage with the TMA Member Long Term Disability Plan. Then you could receive a benefit payment sooner – and you would not have to give up your current plan, which may have certain benefits you wish to keep.

Rethink Your Coverage Amount

If you purchased your policy some time ago, however, it’s possible that your income has grown and your current coverage may not be enough to provide what your family needs to comfortably live on today.

If you’re not sure about whether your current plan provides enough coverage, our advisors can help. They have deep experience working with Texas physicians and can help you determine the disability coverage that works best for your family and your budget.

Call For Pressure-Free Advice

Feel free to give us a call for a cost-free consultation. Remember, TMA Insurance Trust advisors do not work for sales-based commissions, so when you get on a call, there’ll be no pressure or obligation. Our only goal is to see that your income is protected with the right disability coverage for your needs. Call us at 800-880-8181, 8:00 am – 5:00 pm CST Monday to Friday.

New Call-to-action

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.

Recommended Posts

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Special Insurance Savings For Women

Practice Owners: Save 25-40% Permanently on a Guardian Disability Plan

Save Up To 30% Permanently On Own-Occ Disability Insurance

More Affordable Disability Insurance For Women Physicians

Should You Wait 90 Days For Your Disability Benefit?

Avoid This Costly Mistake When Protecting Your Income

You May Already Have Disability Insurance From Your Employer – Here’s Why You May Need More

Take Advantage of Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

Women Physicians: Help Secure Your Family’s Future with Life Insurance

Help Protect Your Financial Health with $20,000 of TMA Critical Illness Insurance

The Four Advantages of Buying Insurance From TMA Insurance Trust

Laptops, Groceries, Life Insurance – Here’s What They Have In Common

Trustworthy Help for Busy Physicians

Take Advantage of Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

There’s Still Time to Control Costs and Get Better Health Insurance For 2023

Practice Owners and Independents - Get the Group Coverage You Want, Even Without Employees

Plan for Change: Lock in Lower 2022 Health Insurance Rates For 2023

Why Your Health Insurance May Need a Boost

Take Advantage of Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

Last Chance to Control Costs and Get Better Group Coverage for 2023

There’s Still Time to Control Costs and Get Better Health Insurance For 2023

Cost Control Countdown: Only Two Weeks Left To Take Advantage of Special Options for Better Health Insurance

8 Questions Owners and Independents Should Ask During Open Enrollment

Take Advantage of Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

Last Chance to Control Costs and Get Better Group Coverage for 2023

Controlling Health Insurance Costs – Open Enrollment Special Options for Practice Owners

Independent Physicians: Get Group Health Insurance – Even With No Employees.

TMA Members: Get Up to $1 Million of Catastrophic Injury Coverage with Guaranteed Acceptance

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

Last Chance to Control Costs and Get Better Group Coverage for 2023

There’s Still Time to Control Costs and Get Better Health Insurance For 2023

Cost Control Countdown: Only Two Weeks Left To Take Advantage of Special Options for Better Health Insurance

Practice Owners and Independents - Get the Group Coverage You Want, Even Without Employees

Practice Owners, Independents: Control Costs, Get Better Health Insurance For 2023

Take Advantage of Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance

Help Protect More Of Your Income, Save Up To 30% – Get A Quote Now

Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan

Brighter Teeth, Reduced Health Risks, Lower Costs – Dental Insurance Makes Sense

Practice Owners and Independents - Get the Group Coverage You Want, Even Without Employees

Practice Owners, Independents: Control Costs, Get Better Health Insurance For 2023

TMA Members: Get Up to $1 Million of Catastrophic Injury Coverage with Guaranteed Acceptance

Term Life in No Time: Get an Instant Decision on $750,000 of Term Life Insurance

Speak with a TMA Insurance Trust Advisor:

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.

1051188-00001-00

Newsletter signup to receive our monthly newsletter

border