Individual Disability Income & Business Overhead Expense

We are pleased to present a high-quality personal disability insurance plan. Members have a need for personal disability income protection. Without proper coverage, an accident or illness could be financially devastating to you, your family and your practice.

Valuable Member Discount
Members receive a generous 10% discount off the regular non-member rates.

Optional Riders* are Available

• Noncancelable Policy
  This optional rider ensures that the company cannot cancel, change policy provisions, or raise the premium until the normal termination date.
  
  
• Residual Disability Rider
  This optional rider pays a benefit if you are not totally disabled, but you are partially disabled and incur a loss of income. If you are able to do some, but not all, of your regular occupation's substantial and material duties, or you are able to do all of your occupation's substantial and material duties, but not as long or effective as before. And, you are under the care of a physician appropriate for your sickness or injury.¹

Coverage Available

• Individual Disability Income
• Business Overhead Expense
• Choose from benefit periods of two years, five years or to age 66/67² and as many as five different waiting periods.

The Odds of a Disability Occurring
You may think the chances of being disabled are small. However, nearly one in five Americans (54 million) currently have a disability.³ Yet, most people carry life insurance but do not carry disability insurance protection.

A disability could destroy your earning power for years to come...

Submit a Proposal Request Online
To receive a quote on disability insurance, simply fill out the disability insurance proposal request form. To find out what your disability insurance needs are, the TMA Association Insurance Agency can provide you with a wealth of information and tools to assist you. If we can serve you further, please feel free to contact us.