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Disability Insurance

If You Think You're Fully Covered, Think Again

Many employed physicians assume their income is fully protected with their workplace benefits. This may not be the case.

Employer-provided plans typically cover only 60% of your base salary. Bonuses and incentive payments may not be covered.

Furthermore, employer-paid disability payouts may be taxed as income. Those taxes could significantly reduce your disability income just when you need it the most.

You Can’t Take It With You

Another important consideration is that most employer-paid disability plans are not portable. If you change jobs you may find your new employer's plan offers less coverage, or none at all.

Take Control Of Your Benefits

Securing your own personal disability insurance has many advantages. When you pay the premiums yourself with after tax dollars, your benefits are not taxed, so the full amount goes directly into your pocket. Plus, a personal policy is portable. If you move to another hospital or go into private practice your disability protection will go with you.

Help Protect Your Income - and Save up to 25%

The TMA Member Long Term Disability plan issued by The Prudential Insurance Company of America offers a 25% premium credit* and a streamlined online application available below. Additionally, we offer plans from leading carriers in Texas with exclusive savings for TMA members. We will help you find the plan, or combination of plans that work for you.

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Contact Us

Apply Online

TMA members looking for individual disability insurance can apply online for the TMA Member Long Term Disability Plan issued by The Prudential Insurance Company of America. To get started quickly and easily click below.

Click to Apply

Click to Apply

Call Us

Our disability advisors are available weekdays from 7:30 a.m. to 5:30 p.m. CST to answer your questions, review your current insurance coverage, and help you get coverage for you, your family, and your practice. Call us at 1-800-880-8181.

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Speak with a TMA Insurance Trust Advisor:

*Effective 8/1/2019, TMA Insurance Trust is able to provide LTD participants with a premium credit of 25% that will be applied to their billing invoices, effectively decreasing the amount of their premium payments by 25%. This complimentary premium credit is provided at the sole discretion of the TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.
TMA Member Long Term Disability plan coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all plan information, including limitations and exclusions. Contract Series 83500