--- title: Help Protect Your Income And Your Practice – And Pay 25% Less description: As a practice owner, you are not only responsible for the care of your patients, but you must also look out for the welfare of those who work beside you every day. image: https://www.tmait.org/hubfs/July%202019/July_2019_Week_4_BOE_LTD.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 ![July_2019_Week_4_BOE_LTD](https://www.tmait.org/hubfs/July%202019/July_2019_Week_4_BOE_LTD.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Help Protect Your Income And Your Practice – And Pay 25% Less 27 July 2019 If you ask most independent practice owners, chances are they will tell you that owning a medical practice can be immensely rewarding – but also very challenging. On the one hand, you have the freedom to practice medicine on your own terms. But you also have an added layer of responsibilities. You are not only responsible for the care of your patients, but you must also look out for the welfare of those who work beside you every day. So if for some reason you were not able to go to work – if you were ill or unexpectedly injured – that could have significant financial ramifications for you, for your staff and for your practice. On top of that, what would happen to your personal finances? How would you and your family get by if you were unable to work for an extended period of time? ## Insurance Protection For Your Income And Your Practice At TMA Insurance Trust we honor your independent spirit and commitment to help others. And we want to help you protect what you have worked so hard to build. We therefore offer two kinds of insurance coverage for independent practice owners – one to help protect your personal income and one to help keep your practice up and running if you cannot work because of illness or injury. To help make it easier for you to obtain both of these types of coverage The TMA Insurance Trust is providing a significant savings opportunity. [![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) ***[1-800-880-8181](tel:1-800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## We Get to Say Thank You – You Get to Pay 25% Less We are currently providing a **25% Thank You Credit** to anyone who enrolls in the **TMA Member Long Term Disability Insurance Plan** (LTD) – issued by **The Prudential Insurance Company of America**. The credit is equal to 25% of your insurance premiums. That means your premium payments **will 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 all you do to help others and to show our appreciation and support for you as a TMA member. ## Insurance Protection With Affordable Rates The TMA Member Long Term Disability Plan is designed to provide attractive rates for quality disability insurance from a national carrier. And now with our **25% Thank You Credit** it can be even more affordable. The application process for The TMA Member Long Term Disability Plan is quick and simple. 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. In addition, even if you have long term disability insurance from another carrier, you can get a benefit of up to $4,000/month – regardless of any benefit you receive from another plan. So if your income and family have grown since you obtained that coverage you might want to supplement your current plan to give your finances and your family added insurance protection. **Highlights of the LTD plan include:** - **25% Thank You Credit** – Lowers premium payments by 25% - **Quick and simple application** - **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 ## Important Insurance Protection For Your Practice While disability insurance can help protect your personal income, The TMA Member Business Overhead Expense Plan is designed to help protect your practice if you cannot work due to illness or injury. During your absence it can help pay for rent, employee salaries, taxes, utilities, office supplies, and more. It can even help pay for the cost of a locum tenens physician to cover for you while you recuperate. The TMA Member Business Overhead Expense Plan can also help protect your personal finances, because it allows you to use your disability insurance benefits for what they were intended – to help replace your personal income and support your family’s quality of life. Plus, it can also help you avoid having to tap into your personal savings or retirement funds to cover the expenses of your practice. ## A Valuable BOE Plan From a Top Carrier The TMA Member Business Overhead Expense Plan offers features you may not find in other plans from top-rated carriers. Highlights of the plan include: - **Up to $50,000 in monthly benefits - **Generous benefits will help cover the ongoing expenses of your practice. - **Long payment of benefits** – Benefits paid for up to 24 months. If you are under age 70, you may be able to extend some benefit payments for up to a total of 36 months. Speak with a TMA Insurance Trust advisor for more details. - **You are paid for the waiting period** – The first payment is made retroactively after you have been disabled for 30 consecutive days. - **You do not pay while you’re disabled** – Your premium payments are waived while you are disabled so there is no cost to you while receiving benefits. ## Ask Us About Your Options We recognize, however, that you may have further questions. So please don’t hesitate to speak with one of our advisors. They have years of experience helping independent practice owners find the protection that works best for them. And they do not receive sales-based commissions so the guidance you receive will always be unbiased – without pressure or obligation. We’ve made it easy to take advantage of our **25% Thank You Credit** to help protect your income. You can return the form below and an advisor will get back to you shortly. Feel free to call us Monday to Friday, 7:30am to 5:30pm CST at [1-800-880-8181](tel:1-800-880-8181). [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9) 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) ** [Business Overhead Expense Insurance](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) [**Previous Entries](https://www.tmait.org/blog/how-to-help-protect-your-practice-and-your-savings-boe) [Next Entries**](https://www.tmait.org/blog/health-insurance-is-part-of-your-essential-protection-group-benefits) ## 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) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Help Preserve Your Practice’s Health with Business Overhead Expense Insurance](https://www.tmait.org/blog/help-preserve-your-practices-health-with-business-overhead-expense-insurance) ### [Proactive Insurance Protection for Your Practice](https://www.tmait.org/blog/proactive-insurance-protection-for-your-practice-boe) ### [Help Safeguard Your Practice from Operational Setbacks](https://www.tmait.org/blog/help-safeguard-your-practice-from-operational-setbacks-boe) ### [Special Insurance Savings For Women](https://www.tmait.org/blog/special-insurance-savings-for-women) ### [Help Protect Your Practice’s Heartbeat With Business Overhead Expense Insurance](https://www.tmait.org/blog/help-protect-your-practices-heartbeat-with-business-overhead-expense-insurance) ### [Don't Let An Injury Injure Your Practice](https://www.tmait.org/blog/dont-let-an-injury-injure-your-practice-boe) ### [Don’t Let Illness Or Injury Sabotage Your Practice](https://www.tmait.org/blog/dont-let-illness-or-injury-sabotage-your-practice-boe) ## Speak with a TMA Insurance Trust Advisor: *Effective 8/1/2019, TMA Insurance Trust is able to provide LTD 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 the TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.   TMA Member Long Term Disability Plan and TMA Member Business Overhead Expense plan are 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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