--- title: Help Secure Your Finances Against Life’s Unexpected Accidents description: Securing additional coverage acts as a safety net, providing crucial protection to help cover costs exceeding what your regular health insurance may cover. image: https://www.tmait.org/hubfs/January%202025/January%202025%20Week%202%20-%20Accident.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 ![](https://www.tmait.org/hubfs/January%202025/January%202025%20Week%202%20-%20Accident.png) [Residents](https://www.tmait.org/blog/topic/residents) # Help Secure Your Finances Against Life’s Unexpected Accidents 11 January 2025 Bumps and bruises can be a part of daily life but an accident by its nature takes you by surprise. For families who lead active lifestyles or with children participating in sports, the risk of an accidental injury is even higher. That’s why being prepared for the unexpected is essential. Securing additional coverage acts as a safety net, providing crucial protection to help cover costs exceeding what your regular health insurance may cover. **The TMA Member Accident Insurance plan, issued by the Prudential Insurance Company of America,** is here to support you. This supplemental coverage is designed to help bridge this gap, ensuring increased protection of your financial well-being and loved ones, allowing you to continue living life to the fullest. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/29d1b372-39b3-447b-948d-6639f2215ed0.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/29d1b372-39b3-447b-948d-6639f2215ed0)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Safeguarding Your Family’s Future As health insurance deductibles and copays continue to rise, families are left to absorb more out-of-pocket costs resulting from an injury. For parents with children involved in competitive sports such as football, baseball, or pickleball, you may already be familiar with the occasional trip to the ER. Every year hospital emergency rooms see a steady stream of children being treated for sport and adventure-related injuries. Whether on the field, on the trail, or even in your own house or yard, the risk of an injury is always present, and resulting medical costs can quickly add up, causing potential financial strain. In fact, the National Safety Council reported an estimated 63 million injuries nationwide that required medical attention in 2022.* While these unexpected injuries may be unavoidable, the financial impact doesn’t have to be. Accident insurance pays benefits for: - Fractures - Dislocations - Hospital stays (inpatient and outpatient) - Dental - Eye Injuries - Burns, and much more. With the TMA Accident Insurance plan, you gain greater peace of mind knowing you’re better protected from unforeseen medical costs.** Eligible TMA members under the age of 65 can secure coverage with guaranteed acceptance**, and as soon as your coverage begins, you can avail yourself of benefits such as: - Lump-sum payouts are paid directly to you, based on diagnosis without needing to undergo treatment or provide proof of expenses prior to receiving payment. - Use the lump-sum benefits however you would like from medical costs to prescriptions, out-of-pocket deductibles or copays, or even for everyday expenses. - Members also have the option to enroll a dependent spouse or domestic partner under age 65 and dependent children under 26 for this coverage. ## Complete Your Coverage with Accident Insurance You’ve worked hard to build your finances for you and your family’s future. Gain the financial protection you deserve with a policy that ensures financial help if you, your child, or your spouse are involved in an accident. Enrollment is easy and convenient, and members under 65 can apply online for guaranteed acceptance by clicking the button below. If you have any questions, our experienced advisors are here to assist you with a free personalized consultation. Call 800-880-8181, Monday through Friday from 8:00 am to 5:00 pm, CST. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/ef99f139-53c7-41b7-ac52-7f4019034b58.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ef99f139-53c7-41b7-ac52-7f4019034b58)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893) 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. * All Injuries Overview, NSC Injury Facts, December 2024   **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential's Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500. 1084282-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Family ](https://www.tmait.org/blog/topic/family) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Accident Insurance](https://www.tmait.org/blog/topic/accident-insurance) [**Previous 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