As a physician at the start of my career,* I’m always looking for ways to learn from those who’ve been practicing longer than I have. So when one of the senior surgeons I’ve always respected sat down across from me during a quick lunch break between procedures, I listened.
He glanced at my badge and asked, “You happy with your insurance? Have you set up a disability plan, to make sure your income is protected?
I shrugged. “I think so. I’ve got coverage through work.”
He nodded like he’d heard that answer before. “Yeah, that’s where most of us start. But I’ve seen too many colleagues find out the hard way that what they had wasn’t what they needed.”
He leaned back. “I mean, we all hope we never have to use our insurance, right? But TMA Insurance Trust was the one provider I came across that really gets what we need, not just on paper, but in how they show up for us.”
Insurance For Good
“What makes them different,” he said, “is how they operate. Most insurance companies are focused on someone else’s bottom line. This one isn’t. So when there’s money left over, it stays here in Texas and gets reinvested into programs that help physicians.”
“Interesting, like what?” I asked.
“Well,” he said, “free CME courses. Confidential, no-cost mental health support for you and your family through Anticipate Joy. They help fund local medical societies, sponsor physician societies, and even offer emergency relief. And you don’t have to file a claim or pay extra to use any of it. It’s all included, without raising premiums. Just part of being a TMA member.”
What about Coverage?
I asked him how the actual coverage held up.
He nodded. “Honestly, I’ve been really happy with it. I have my long term disability through them. Getting started was way easier than with most individual plans, and I signed up early in my career, which helped. The rates were lower because I was younger, and even now, it’s still more affordable than other options I looked into. The benefits go further than you'd expect.”
Then he added, “even if you already have coverage, there was still a lot it offered that I couldn’t get through work. If your job or your whole situation changes, you don’t lose it. And the features that usually come with a higher price tag? Benefits like own-occupation coverage? They’re already built in. No extra riders to buy. The pricing beat out anything I found on my own.”
I wasn’t expecting a casual chat to shift how I think about insurance. But the more I thought about it, the more it made sense. This felt like coverage that understands what matters to physicians. And beyond that, it reminded me that my TMA membership helps support others in our community.
He didn’t push. Just said, “Call TMA Insurance Trust. You’ll see what I mean.”
TMA Member Disability Insurance: Take a Closer Look
The TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, offers coverage structured to reflect the needs of physicians:
- Simpler application – Faster and easier than most individual policies
- No income verification – Apply for up to $5,000/month with no financial documentation
- Higher benefit option – Up to $18,000/month available with underwriting
- Built-in key features – Includes own-occupation coverage for your medical specialty and other benefits that typically cost extra with individual plans
- Full benefit payout – No offsets if you also receive disability coverage through your employer
TMA Insurance Trust advisors are available to provide a clear overview of the plan and its advantages, outline exclusive member savings, and as part of our Insurance For Good approach, show how your TMA membership brings vital benefits to you and physicians across Texas.
Call us at 800‑880‑8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
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