If you look closely at some of the most rewarding moments as a physician, they rarely stay confined to the exam room. A successful diagnosis, treatment plan, and recovery ripple far outward—affecting not only the patient, but everyone who loves and depends on them. At the end of the day, protecting our families and loved ones is a primary concern for all of us.
That same reality applies directly to you as a physician and practice owner. Your income is the primary financial engine you use to care for your own family—supporting the household, protecting accumulated savings, and meeting business obligations. The TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, is designed to protect that engine, helping to preserve the long-term future you have worked years to build.
Why a Paycheck is Only Part of the Protection Equation
An unexpected serious illness or injury can immediately and catastrophically disrupt a person's ability to earn a living. For a physician, losing the ability to practice may create more than a professional interruption; it can also introduce an immediate threat to the financial stability of your household.
For practice owners, long term disability insurance is fundamentally about more than protecting a paycheck. It is about preserving the underlying financial foundation that allows you to care for the people who depend on you most.
Just like a routine checkup or a preventive screening, reviewing your coverage helps ensure you can address potential gaps before an unexpected health event occurs. The TMA Member Long Term Disability Insurance plan is specifically designed to help manage these risks.
Exclusive Features Built for Your Practice
- Simplified Underwriting: Apply for up to a $5,000 monthly benefit with no income verification required. Higher monthly amounts up to $18,000 are available through simplified underwriting.
- Exclusive Member Rates: TMA members can save significantly compared to standard disability policies due to affordable, exclusive member rates.
- Tax-Free Benefits: When premiums are paid with after-tax dollars, your benefits are generally received tax-free.
- Future Increase Option: Apply for additional coverage later without further underwriting.
- Own-Specialty Coverage Included: Benefits are paid if you are unable to perform your specific medical specialty, even if you can work in another professional role.
- Support During Recovery: Residual benefits help protect your income if a disability only allows you to return to work part-time.
- No Policy Offsets: Your payments are not reduced by other insurance or benefits, including Worker’s Compensation or Social Security benefits.
- Catastrophic Coverage: Receives an additional monthly boost if a severe condition leaves you unable to perform two or more Activities of Daily Living (ADLs).
- Student Loan Protection: You may receive an extra 25% benefit (up to $250,000) to help with student loan payments, keeping your primary benefit free for everyday expenses.
- Dedicated Claims Support: A TMA Insurance Trust advisor will personally assist you and your family throughout the claims process.
- 25% Premium Savings: TMA Insurance Trust pays 25% of your premiums, a unique member benefit maintained continuously for all plan participants since 2018.
- 30-day Review Period: Take time to review your coverage. You can receive a full refund if you decide it isn't the right fit.
- Business Overhead Expense (BOE) Option: Eligible practice owners may receive a guaranteed acceptance offer for BOE coverage after plan approval.
Secure the Income Protection Your Career Requires
Often, physicians consult with individuals who wish they had come in earlier for a preventive appointment. The same logic applies to your income protection plan. The lifestyle, practice, and stability you have spent years building for you and your loved ones are too important to leave to chance. Because TMA Insurance Trust has paid 25% of plan premiums for participants continuously since 2018, securing comprehensive own-specialty coverage is both a wise financial move and an affordable one. Help replace income vulnerability with a long-term, financially sound safety net.
Don’t wait for an unexpected health event to expose a gap in your coverage that puts your income at risk. Contact an advisor to help secure your family’s financial foundation today by calling 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
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