Your skills and expertise are more than just part of your profession—they’re your greatest assets. They’ve shaped your career, supported your goals, and helped you build a strong financial foundation. But your ability to earn an income isn’t guaranteed. An illness or injury could unexpectedly take you away from your practice, creating uncertainty at a time when security matters most.
That’s why long term disability insurance is an essential safeguard for your financial well-being. If you’re weighing the expense, unsure about the application process, or wondering whether your current coverage provides the level of income protection you need, the TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, helps address those concerns with physician-focused features and potential cost-saving advantages.
As a member, you can apply for an exclusive $5,000/month long term disability benefit without having to verify your income, and benefits will be paid regardless of any other coverage you may have.
A Smart Way to Help Protect Your Income
If you have employer-provided disability insurance, it may seem like enough. However, most plans replace only 60% of your income1, and if employer-paid, those benefits are typically taxable—reducing what you ultimately receive. Additionally, employer plans may place limits on the benefits you receive and may not follow you if you change jobs.
The TMA Member Long Term Disability Insurance plan offers more comprehensive protection with benefits that are typically only available as costly add-ons with other policies:
- Own Occupation Coverage ensures benefits continue up to your Social Security retirement age if you can no longer practice in your medical specialty.
- No Offsets—benefits are paid in full regardless of other insurance payouts.
- Partial/Residual Benefits provide income support if a disability limits you to part-time work.
- Catastrophic Benefits offer a 20% benefit increase if you cannot perform two or more Activities of Daily Living (ADLs).
- Future Increase Option allows your coverage to grow as your income does—without additional underwriting.
- Student Loan Reimbursement provides an extra 25% in benefits (up to $250,000) for physicians under 40 to help with outstanding education loans.
Whether you stay in an employed setting or open a practice of your own, this plan provides built-in benefits and portable coverage (as long as you remain a TMA member), adapting to your career and helping to protect your income.
Savings That Add Up
For many physicians, cost is a deciding factor in choosing disability insurance. The TMA Member Long Term Disability Insurance plan helps make coverage more accessible and budget-friendly with:
- Lower premium rates compared to individual plans.
- Unisex pricing allows women physicians to save up to 40-50% since pregnancy-related underwriting typically results in higher rates for an individual policy.
- A 25% Thank You Credit* that saves you money on monthly premiums over the life of your policy.
This credit is TMA Insurance Trust’s way of recognizing your dedication to caring for Texans, and supporting you as you continue providing for your patients and community.
Apply with Ease
If concerns about time and effort have kept you from securing coverage, this plan simplifies the process so you can apply without unnecessary steps or delays. Here’s how:
- No income verification is required. As a TMA member, you can apply for an exclusive $5,000/month long term disability benefit without financial documentation. (Coverage up to $18,000/month is available with underwriting.)
- Simplified underwriting (compared to an individual plan).
- Faster access to benefits with a 30-day waiting period option—unlike many policies that have a 90-day wait. Benefits are paid in full, regardless of any other coverage you have.
Your income supports everything you’ve built; we want to help you protect it. Get started today—call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. When you call, a knowledgeable TMA Insurance Trust advisor will answer live to assist you. If you prefer, you can fill out a contact request form on the website. An advisor will follow up at your convenience to walk you through your options.
For over 70 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.
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