After years of training in your medical specialty and a rising income to protect, many physicians are looking for true "own-occupation" disability protection with sought-after riders, not offered by employer-sponsored coverage. To help members secure quality coverage, TMA Insurance Trust has teamed up with Guardian, one of the foremost disability insurance leaders.
If you are a medical resident, you are likely young and healthy, and rightly feel like the world is ahead of you. Long-term disability insurance is probably the last thing on your mind. However, statistics show that 1 in 4 young adults will become disabled before retirement age. If you should ever become disabled, long-term disability insurance can provide the income to meet your living expenses – and pay back your student loans – while you can’t work.
Most of us do not think a great deal about our teeth unless we’re having problems. We know we should brush and floss twice daily - but because of a hurried schedule, we may rush through the process. Even with the best daily care, due to genetics or other issues, some people may experience pain, decay, and other dental issues.
A lot has happened in your life and career since you signed up for your first Long Term Disability (LTD) policy. As a rule, a typical policy is designed to help protect 60 percent of personal income, if you’re unable to work because of an illness or injury*. If you haven’t updated your policy in years or supplemented your coverage to match your rising income, everything you’ve worked for could be at risk.
If you could take a peek into your future, would that glimpse alter your present decisions? If you could see that disaster was on its way, you would likely plan ahead to avoid the inconvenience and trouble. Of course, we can’t see into the future; but it’s human nature to try to anticipate whether our choices are positive or detrimental. That’s why we read online reviews, seek professional opinions, and gather reliable information. We want the road of life ahead to be as smooth as possible.
In an effort to serve members better, TMA Insurance Trust recently introduced auto, homeowners, renters and umbrella insurance for members. We’d like to take you behind the scenes and show you what makes this program such an exciting new benefit for members.
The health of your practice depends on many factors, not the least of which is a happy and secure staff. When your practice has employees with high morale, they are productive, miss less work, and stay on the job longer; and all these things affect your practice’s profitability. One of the major contributors to low morale is anxiety over personal finances. How can you as a practice owner help your employees feel more secure and valued? One way is through the use of a voluntary benefits program offered by TMA Insurance Trust.
If you’re like most physicians the life insurance policy you have from your employer or purchased early in your career hasn’t kept pace with the changes in your life. If you’ve married or divorced, started a family or recently had another child, bought a new home or incurred more debt, it may be time to re-evaluate your overall life insurance coverage.
