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Protecting What Matters Most

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Plan for Change: Lock in Lower 2022 Health Insurance Rates For 2023

19 September 2022

At TMA Insurance Trust, we do not yet know the full scope of the rate increases for 2023 health insurance premiums, but we anticipate that they could be significant. While we can’t prevent that, we can tell you that you have an opportunity to lock in a lower 2022 rate for the next 12 months. If you currently have an individual HMO health insurance plan, there are special options available that could help you qualify for group health insurance and take advantage of this as well.

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Avoid This Costly Mistake When Protecting Your Income

21 May 2022

It’s common sense that if you have a leak in your roof, the time to fix it is before a rain storm – not after a deluge.

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Women Physicians: Help Secure Your Family’s Future with Life Insurance

21 May 2022

Your income provides a strong financial foundation for you and your family and life insurance can be one of your biggest allies in helping to keep that foundation secure. However, according to life insurance industry estimates, about 58% of men have life insurance but only 47% of women are covered.* To appreciate the value of life insurance for you as a physician, it’s important to understand all the various ways it can help you as your career progresses.

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You May Already Have Disability Insurance From Your Employer – Here’s Why You May Need More

14 May 2022

One advantage of being an employed physician is that your employment typically comes with a benefits package. This likely includes insurance coverage that may be fully or partially paid for by your employer. For many physicians, that can bring a sense of security, knowing that your basic insurance needs are covered.

So if you already have insurance from your employer why would you need more coverage? There can be a number of very good reasons – especially when it comes to long term disability insurance.

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Life Insurance Made Simple, Coverage That Makes Sense

2 April 2022

Of all the insurance you will likely obtain throughout your career and lifetime, life insurance stands apart. It is one of the easiest types of coverage to secure, while also providing a maximum amount of financial protection and added peace of mind to you and your family.

In these uncertain times, it’s not just smart planning to have a life insurance policy in place–it’s essential. For TMA Members, it’s never been easier to apply.

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Help Protect Your Financial Health with $20,000 of TMA Critical Illness Insurance

12 February 2022

As a physician, you most likely think more about caring for a patient than becoming one. It can be difficult to shift perspective and think about your own care and what you would do in the event of a serious illness. TMA Insurance Trust understands that. That’s why we’re making a special effort to inform you about the TMA Member Critical Illness Insurance Plan, issued by The Prudential Insurance Company of America. TMA members under the age of 65 are guaranteed acceptance for $20,000 of TMA Member Critical Illness Insurance.

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More Options, More Savings on Disability Insurance For Physicians

22 January 2022

You can’t predict the future, but you can help protect it – at least when it comes to your finances. That’s the thinking that underlies disability insurance.

Nobody knows if, or when, they might have an injury or illness that could prevent them from working – particularly at this time when we’re seeing a dramatic upsurge in new cases of Covid-19. Without work, for most physicians, that would mean their income would diminish significantly or stop altogether.

Disability insurance is there to provide income at those times and is therefore considered an essential safety net to help protect our finances. That said, we find that many physicians – even those who currently have some disability insurance – may not have enough coverage, leaving their financial future vulnerable.

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Help Protect Your Income from Accidental Injuries

15 January 2022

A dislocated shoulder from a fall during a hike, a broken ankle during a football game-–as a physician, you’re familiar with how to physically treat these kinds of injuries. But are you prepared financially if they happen to you or someone in your family? Your health insurance will cover a good portion of your medical bills, but additional medical and non-medical expenses can accumulate quickly. Accident insurance covers medical and non-medical expenses to help bridge the gap between your health insurance and these additional out of pocket expenses. A cash benefit is paid directly to you upon diagnosis of a covered, accidental injury.

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