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Disability Insurance

Help Protect Your Income - and Save up to 30%

If you can’t work, how will you pay your personal and practice expenses? Disability insurance benefits will help replace your personal income until you can get back to work. If you already have some coverage, are you sure your monthly benefit will be enough to cover your lifestyle?

We offer plans from leading carriers in Texas. Guardian own-occupation plans offer discounts of up to 30% that can save you thousands of dollars over the life of the policy.

As a full-service insurance agency with years of experience serving practice owners, we are well positioned to provide you with the guidance you need and service you deserve. 

Exclusive Plan for TMA Members

The TMA Member Long Term Disability Plan issued by The Prudential Insurance Company of America offers many exclusive benefits to members. You can apply for a monthly benefit of up to $15,000.

If you choose this plan, TMA Insurance Trust will pay 25% of your disability insurance premiums.* If you are looking to supplement your current policy with the TMA Member Long Term Disability plan, you can add up to a $4,000/month without income verification – regardless of any other coverage you may have.

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

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:

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Help Protect Your Practice

As a practice owner, you're responsible for paying monthly overhead expenses to keep your business running. If you become disabled, your personal disability insurance may not be enough to cover both your personal expenses and business operating expenses.

Business Overhead Expense insurance helps cover office overhead expenses such as rent, salaries, utilities, taxes and more. It will also help cover the salary of a locum tenens physician to care for patients while you recover. 

Help Protect Your Staff

If an employee becomes ill or injured, their health emergency could quickly turn into a personal financial disaster. Group short-term disability and group long-term disability insurance will help them get by while they recover physically. Furthermore, by offering group disability insurance, your medical practice will have a distinct competitive advantage for attracting and retaining the best staff.

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*Effective 8/1/2019, TMA Insurance Trust is able to provide 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.
CA COA #1179, NAIC #68241. Contract Series 83500
1061426-00001-00