As a physician, your income is the backbone of your lifestyle. Imagine dedicating your entire life to your medical specialty, only to face the uncertainty of an illness or injury that prevents you from working. If your income is not protected, even a temporary loss could have long-lasting financial consequences.

Physicians, like everyone else, are not immune to accidents – whether they occur around the house or in a vehicle. Unfortunately, if you’re found to be at fault in an accident, you could find your personal assets at risk.

This can happen because your home or auto insurance may have coverage limits you’re not aware of or forgot about. It could also happen if the injured party attempts to take advantage of your financial situation. As a physician you’re likely to be in a higher income bracket compared with the rest of the population – so you could be highly vulnerable to a lawsuit.

Either way, this is why many physicians help protect their personal assets with an umbrella insurance plan.

In life as we get older we gain knowledge and acquire more experience. As physicians, that can yield professional wisdom and provide greater confidence in how you proceed with your patients.

Navigating Medicare can be like solving a complex puzzle, with numerous pieces that must fit together just right. Whether you are already enrolled in Medicare and looking to make coverage changes or exploring your choices for the first time, the process may feel overwhelming. Knowing all your options enables you to make informed decisions, helping you manage your health and finances well into the future.

As a physician, your practice is more than just a profession—it's a testament to your dedication and hard work. However, unforeseen circumstances like illness or injury can disrupt even the most well-established practices. In today’s inflationary economy, rising costs may outpace your ability to fund emergency savings, leaving your practice vulnerable if you’re unable to work.

In today’s evolving healthcare environment, independent physicians are exploring new health insurance options beyond traditional limitations. To many, the term "independent physician" used to mean a practice owner. Today, that definition is broader, including those who want to practice medicine without the responsibilities of owning a practice. However, many believe their only insurance option is an individual HMO plan. TMA Insurance Trust dispels this myth by offering group PPO health insurance options independent physicians prefer and deserve.

Whether you are a new physician or a more seasoned one, your personal budget has likely felt the squeeze of inflation. Thus, making smart financial choices is a priority, especially when it comes to healthcare. Dental care costs can quickly add up, and many may hesitate to visit the dentist due to financial concerns. But regular dental visits are essential not just for maintaining your health, but also for your career.

Starting now, TMA members can apply for a long term disability monthly benefit of up to $5,000 without verifying their income or submitting any financial information.

Imagine dedicating years of your life to education and refining your medical expertise, only to face a sudden health setback that prevents you from practicing. The financial consequences may be as daunting as the health challenges themselves. Unfortunately, confronting the fear of the unknown is a reality even the most resilient physicians must face. Thankfully, TMA Insurance Trust has introduced a new benefit to the TMA Member Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America, providing you with a reliable financial safeguard during times of uncertainty.