Disability insurance can be hard to decode. And when the benefits physicians value most—like specialty-specific protection or the ability to increase coverage over time—are treated as costly extras, it’s easy to lose sight of whether your policy truly reflects the value of your income. The result? Coverage that’s more confusing and potentially more expensive than it should be.
The TMA Member Long Term Disability Insurance plan, issued by The Prudential Insurance Company of America, offers protection that matches how you work and what your income supports. With key benefits already included, unlike most individual policies, there’s no need to piece together your coverage one rider at a time.
What to Look for in a Disability Plan
Below, you’ll find the features physicians should expect in a comprehensive disability policy. This can help you take a closer look at what may be missing from a typical individual plan—and see the valuable difference this plan provides.
➡️ Key Features of the TMA Member Long Term Disability Insurance plan:
- No Tax Returns Required: Apply for up to $5,000 per month with no income questions, or up to $18,000 per month without providing proof at the time of application.
- Higher Benefit Levels Available: Apply for up to $18,000 per month with simplified underwriting and TMA member pricing.
- Coverage That Can Grow With You: The Future Increase Option allows you to apply for additional coverage later, without requiring further underwriting.
- Specialty-Specific Coverage: Own-Specialty Coverage pays benefits if you can’t perform the duties of your medical specialty.
- Support During Recovery: Partial or Residual Disability Benefits provide income if you return to work part-time while recovering.
- No Offsets From Other Insurance: Your benefit is paid in full, even if you receive benefits from other sources.
- Extra Help for Serious Conditions: Catastrophic Coverage increases your benefit by 20% if you’re unable to perform two or more Activities of Daily Living, such as bathing or dressing.
- Help with Student Loan Payments: You may receive an additional 25% benefit (up to $250,000) to help with student loan payments, so your primary benefits can go toward everyday expenses.
- Dedicated Claims Support: A TMA Insurance Trust staff member will personally assist with forms and updates throughout your claim process.
- Premium Savings That Add Up: TMA members receive an ongoing 25% savings credit on their Own-Specialty coverage, exclusive to members and part of our Insurance For Good promise.
If your current plan only includes a few of these features, it may be time to reassess your coverage. Or, if you’re securing disability insurance for the first time or want to affordably supplement your current policy, these details can help you understand what a policy should include.
Your Income Protection
Now that you know what to look for regarding disability insurance, let’s talk about how to figure out what makes sense for you.
To help you get started, we’ve created a simple tool that estimates how much of your income could be left unprotected if you couldn’t work due to illness or injury. The Unprotected Income Calculator gives you a quick, personalized snapshot of where gaps might exist and how much monthly benefit you may need.
Would you like to discuss your disability coverage options? Call to speak with a TMA Insurance Trust advisor at 800-880-8181. We’re here Monday through Friday, 8:00 AM to 5:00 PM CST, ready to answer your questions and make sure you get the most from your TMA member benefits.
1087156-00002-00
