You’re a practice owner and you’ve invested an incredible amount of time and energy to get where you are. Nobody knows this better than you.
So it’s natural you want to protect everything you’ve worked so hard to achieve. That includes your hard earned income. One way to do that is with disability insurance – as it provides critical financial support in the event an illness or injury keeps you from working.
Unfortunately, for many physicians, disability insurance can seem expensive. This can be especially true for women practice owners. That’s because women typically pay significantly more than men for disability insurance – because claim statistics show they are a higher risk.
All Practice Owners Can Save 25% – Women Up to 40%
But here’s some good news. Practice owners can now protect their income with quality coverage and premium rates that offer special savings.
TMA Insurance Trust has partnered with Guardian, a leader in true own occupation disability insurance, to bring you a plan with unisex (gender neutral) rates. That can mean even greater savings for women practice owners.
Here’s how it works:
With the Guardian plan, both men and women practice owners can save 25% on their premium rates when three or more participants in their office secure coverage together.
But with Guardian’s unisex rates, women practice owners pay the same rates as men, so they could save up to 40% when compared with a standard individual policy
So if you’re a woman practice owner, by providing employer-paid coverage to two employees, you could secure your own policy at a potentially lower total cost than if you purchased an individual policy just for yourself. And those savings are permanent. They are in place for the life of the policy.
Reward and Retain Top Employees
This can be a way to offer key employees a desirable benefit you might not have thought your practice could afford. And by enhancing your benefits package it could help your practice retain employees in a competitive marketplace.
Our advisors can fill you in on the rest of the many valuable features and benefits of Guardian’s top quality disability plan. Call us for a no-pressure conversation at 800-880-8181 Monday through Friday from 8:00 to 5:00 CST.
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.