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Protecting What Matters Most

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Help Get the Protection that Residents and Employed Physicians Really Need

14 September 2019

As a physician, you have worked hard to achieve much in your life. As you plan for your future, you think of investment strategies and savings plans. If something should happen to you, financial protection for your loved ones is of paramount importance.

One of the best ways to offer immediate financial protection is to obtain a term life insurance policy, whereas many savings plans and investment strategies require time to build value. Once you are approved for a term life insurance policy, your amount of coverage is in place, and immediately helps to provide protection. Term life insurance provides financial protection for your family when they need it the most.

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Employed Physicians: Will Your Disability Coverage Catch You?

25 May 2019

Rock climbers have confidence that their safety equipment will catch them if they fall; otherwise they would never take the risk of climbing. But they don’t secure their anchors, knots and carabiners once, then ignore them for the duration of their climb. To be safe, they check their safety equipment periodically; both as their position changes, and as time passes.

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The Cost of Long-Term Disability: Are You Fully Aware of Your Risk?

19 January 2019

As a physician, you see the importance of having disability insurance in place. Whether you are an independent physician and must purchase your own disability insurance, or you are employed and only receive coverage through your employer, you see the value in protecting your income.

Still, some physicians (whether independent or employed) may not have enough disability insurance to adequately protect their finances. If you become sick or injured and are unable to work, will your current disability coverage adequately protect you? Will your family have enough income to sustain the standard of living that you have achieved together?

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Is The Gap in Your Employer Disability Insurance Putting You at Risk?

11 August 2018

If you’re like many physicians, employed by a medical group, hospital or medical center, you may be unaware of how much your long-term disability policy actually covers. Most policies paid for by an employer are limited to 50 to 60 percent of a physician’s base salary, excluding bonuses — leaving a gap in coverage that falls short of what’s required to meet ordinary living expenses. To illustrate this point, we'd like to give you a hypothetical example of how you could be caught off guard by inadequate disability coverage:

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Employed Physicians: 10 Things You Need to Know About Individual Disability Insurance

13 May 2017

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.

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