Critical Illness Insurance

Help Cover the Gaps in Your Health Insurance

You have worked hard to become financially secure. But a serious illness could quickly wreak havoc on your finances. Critical illness insurance, when combined with health insurance, can help protect you from financial hardship when a critical illness happens.

Focus on Recovery, Not Bills

Critical illness insurance, also known as critical illness coverage, can help eliminate some of the financial stress during an illness. If you are diagnosed with one of the conditions covered by your policy, you can receive up to $250,000 from the TMA Member Critical Illness Plan issued by The Prudential Insurance Company of America.

Your Money to Use as You See Fit

The TMA Member Critical Illness plan issued by The Prudential Insurance Company of America provides TMA members under the age of 65 a cash benefit to supplement your existing medical insurance and is usable in any way you choose, including to offset deductibles or copays, prescriptions, travel to treatment centers, or you could just use it to help pay off other bills and household expenses. Whatever bills you have to pay, you can use your benefit to help cover those expenses.

Critical illness insurance is like a supplement to your rainy day fund that can help preserve your savings and stretch your budget during a serious illness.

Help Protect Your Long-Term Financial Health

Critical illness insurance may help bring added peace of mind when added to your portfolio of insurance protection for you and your family. TMA Insurance Trust recommends you also think about long term disability insurance. While critical illness insurance will give you a lump sum of money to pay for adjusting to life with an illness or illness-related disability, long term disability insurance will provide an ongoing monthly income while you’re recovering.

TMA Insurance Trust advisors can walk you through your options to help you determine the right coverage that best suits your individual needs.

This coverage is not health insurance coverage (often referred to as “major medical coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.

TMA Member Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774.

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Apply Online

TMA members under age 65 can apply for The TMA Member Critical Illness Plan issued by The Prudential Insurance Company of America at any time online. To get started, click below.

Apply Online

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Our 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 you need. Call us at 1-800-880-8181.

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