TMA Member Long Term Disability (LTD) Insurance

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Learn More About TMA Member Long Term Disability Insurance

No matter what stage of your career you're in, Long Term Disability Insurance can be an important part of your financial future. Coverage amounts up to $15,000, in increments of $1,000, are available with Plan B and Plan C. The plan you choose determines when your benefits begin. With Plan A, you may choose up to $10,000 of coverage.

Monthly Cost per $1,000 of Coverage
Age Plan A
30 Days
Plan B
90 Days
Plan C
180 Days
Under 30 $7.67 $6.33 $4.00
30 – 39 $9.00 $7.67 $5.00
40 – 44 $17.00 $13.33 $10.00
45 – 49 $21.33 $17.67 $13.00
50 – 54 $22.33 $19.00 $15.00
55 – 59 $33.00 $28.00 $22.33
60 – 64 $33.33 $28.00 $20.33
Over 65 $32.00 $26.33 $18.67

The rates above are subject to change, but only on a class basis. All monthly and cost of living rates are based on your age at the time of your effective date of coverage. Any subsequent changes to your rate are based on your age on each November 1st.

Duration of Your Benefits

Member's Year of Birth

Benefits Paid Up to
Born prior to 1943 Age 65
1943 - 1959 Age 66
Born after 1959 Age 67

TMA Member LTD plan benefit durations will be determined using Social Security normal retirement ages as indicated above.

The Prudential Insurance Company of America will treat your disability as continuous if your disability stops for 30 consecutive days or less during the elimination period. The days you are not disabled will not count toward your elimination period. The options for the elimination periods are Plan A (30 days), Plan B (90 days), and Plan C (180 days).You must be continuously disabled through your elimination period.

An optional Cost of Living Adjustment (COLA) feature for participants under the age of 65 helps protect the buying power of your disability benefits. Automatic annual increases to your disability benefits are equal to the lesser of 6%, or 50% of the increase in the Consumer Price Index for that year.

Physicians who apply for coverage prior to age 40 will be offered an annual opportunity to obtain or increase their monthly coverage amount. Increments of $1,000, up to a maximum cumulative amount of $5,000, are available without having to provide evidence of good health. This offer is subject to amount limitations based on earnings and/or other coverage and is subject to the overall plan maximum. The offer expires at age 45.

Residents can request a $4,000 monthly coverage amount without answering any health questions, as long as they're a TMA member. There’s no reason not to apply—it’s quick and easy to request coverage. When you complete your residency, members may apply for up to $5,000 without having to provide evidence of good health, or up to $15,000 with full medical underwriting.

Contact a TMA Insurance Trust Licensed Advisor to learn more and answer any questions you may have at 1-800-880-8181, weekdays from 7:30 a.m. - 5:30 p.m.

No medical exam is generally required. Answer a few basic health questions and you’re done. It’s as simple as that!

Our 30-day “free-look” period means you can sign up for coverage with no risk or obligation. If you decide not to accept coverage, simply return your Certificate of Coverage within 30 days.

validation warnings here.