🕷️ Crawler Inspector

\<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1200425829968335\&amp;ev=PageView\&amp;noscript=1"\> - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [](https://www.tmait.org/) - [Practice Owners](https://www.tmait.org/practice-owners) - [Health Insurance](https://www.tmait.org/practice-owner-health-insurance) - [Individual Health Insurance](https://www.tmait.org/practice-owner-individual-family-health-insurance) - [Group Health Insurance](https://www.tmait.org/practice-owner-group-health-insurance) - [Medicare Supplement](https://www.tmait.org/practice-owner-medicare-supplement) - [Medicare Part D](https://www.tmait.org/practice-owner-medicare-part-d) - [Critical Illness Insurance](https://www.tmait.org/practice-owner-critical-illness-insurance) - [Accident Insurance](https://www.tmait.org/practice-owner-accident-insurance) - [Dental Insurance](https://www.tmait.org/practice-owner-dental-insurance) - 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[Medicare Supplement](https://www.tmait.org/employed-medicare-supplement) - [Medicare Part D](https://www.tmait.org/employed-medicare-part-d) - [Critical Illness Insurance](https://www.tmait.org/employed-critical-illness-insurance) - [Accident Insurance](https://www.tmait.org/employed-accident-insurance) - [Dental Insurance](https://www.tmait.org/employed-dental-insurance) - [Supplemental Hospital Indemnity](https://www.tmait.org/employed-supplemental-hospital-indemnity) - [Life & Disability Insurance](https://www.tmait.org/employed-life-and-disability-insurance) - [Life Insurance](https://www.tmait.org/employed-life-insurance) - [Short Term Disability Insurance](https://www.tmait.org/employed-short-term-disability) - [Long Term Disability Insurance](https://www.tmait.org/employed-disability-insurance) - [Unprotected Income Calculator](https://www.tmait.org/disability-income-calculator) - [Disability Insurance Rate Calculator](https://www.tmait.org/tma-member-disability-calculator) - [Accidental Death & Dismemberment](https://www.tmait.org/employed-accidental-death-and-dismemberment) - [Auto & Home](https://www.tmait.org/employed-auto-and-home-insurance) - [Auto Insurance](https://mylifeprotected.com/index.php?panel=auto-insurance&MDRefCode=tmait-mlp-web) - [Homeowners Insurance](https://mylifeprotected.com/homeowners%26MDRefCode=tmait-mlp-web) - [Renters Insurance](https://mylifeprotected.com/index.php?panel=renters-insurance&MDRefCode=tmait-mlp-web) - [Umbrella Insurance](https://mylifeprotected.com/umbrella-insurance/%26MDRefCode=tmait-mlp-web) - [Specialty Insurance](https://www.tmait.org/employed-specialty-insurance) - [Air Medical Transport](http://medjet.com/TMAIT) - [Pet Insurance](https://mylifeprotected.com/pet-insurance/?MDRefCode=tmait-mlp-web) - [Travel Insurance](https://www.tmait.org/blog/new-tma-member-benefit-year-round-travel-insurance) - [Self-Service Portal](https://tmait.aebsys.com/#/) - [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - [Anticipate Joy](https://www.tmait.org/anticipate-joy) - [Practice Managers](https://www.tmait.org/practice-managers) - [Health Insurance](https://www.tmait.org/practice-manager-health-insurance) - [Group Health Insurance](https://www.tmait.org/practice-manager-group-health-insurance) - [Group Dental Insurance](https://www.tmait.org/practice-manager-dental-insurance) - [Life & Disability Insurance](https://www.tmait.org/practice-manager-life-and-disability-insurance) - [Group Life Insurance](https://www.tmait.org/practice-manager-life-insurance) - [Group Disability Insurance](https://www.tmait.org/practice-manager-group-disability-insurance) - [Unprotected Income Calculator](https://www.tmait.org/disability-income-calculator) - [Disability Insurance Rate Calculator](https://www.tmait.org/tma-member-disability-calculator) - [Business Overhead Expense Insurance](https://www.tmait.org/practice-manager-business-overhead-expense) - [Group Accidental Death & Dismemberment](https://www.tmait.org/practice-manager-accidental-death-and-dismemberment) - [Self-Service Portal](https://tmait.aebsys.com/#/) - [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - [Anticipate Joy](https://www.tmait.org/anticipate-joy) - [Residents](https://www.tmait.org/residents) - [Health Insurance](https://www.tmait.org/resident-health-insurance) - [Individual Health Insurance](https://www.tmait.org/resident-individual-family-health-insurance) - [Critical Illness Insurance](https://www.tmait.org/resident-critical-illness-insurance) - [Accident Insurance](https://www.tmait.org/resident-accident-insurance) - [Dental Insurance](https://www.tmait.org/resident-dental-insurance) - [Supplemental Hospital Insurance](https://www.tmait.org/resident-supplemental-hospital-indemnity) - [Life & Disability Insurance](https://www.tmait.org/resident-life-and-disability-insurance) - [Life Insurance](https://www.tmait.org/resident-life-insurance) - [Short Term Disability Insurance](https://www.tmait.org/resident-short-term-disability) - [Long Term Disability Insurance](https://www.tmait.org/resident-disability-insurance) - [Unprotected Income Calculator](https://www.tmait.org/disability-income-calculator) - [Disability Insurance Rate Calculator](https://www.tmait.org/tma-member-disability-calculator) - [Accidental Death & Dismemberment](https://www.tmait.org/resident-accidental-death-and-dismemberment) - [Auto & Home Insurance](https://www.tmait.org/resident-auto-and-home-insurance) - [Auto Insurance](https://mylifeprotected.com/index.php?panel=auto-insurance&MDRefCode=tmait-mlp-web) - [Homeowners Insurance](https://mylifeprotected.com/homeowners%26MDRefCode=tmait-mlp-web) - [Rental Insurance](https://mylifeprotected.com/index.php?panel=renters-insurance&MDRefCode=tmait-mlp-web) - [Umbrella Insurance](https://mylifeprotected.com/umbrella-insurance/%26MDRefCode=tmait-mlp-web) - [Specialty Insurance](https://www-tmait-org.sandbox.hs-sites.com/resident-specialty-insurance) - [Air Medical Transport](http://medjet.com/TMAIT) - [Pet Insurance](https://mylifeprotected.com/pet-insurance/?MDRefCode=tmait-mlp-web) - [Travel Insurance](https://www.tmait.org/blog/new-tma-member-benefit-year-round-travel-insurance) - [Self-Service Portal](https://tmait.aebsys.com/#/) - [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - [Anticipate Joy](https://www.tmait.org/anticipate-joy) - [Blog](https://www.tmait.org/blog)  [Residents](https://www.tmait.org/blog/topic/residents) # Critical Illness Protection: Your TMA Member Plan Explained 23 August 2025 Critical Illness Protection: Your TMA Member Plan Explained 3:31 Health insurance covers medical treatments, but what about the many other expenses a serious illness can bring? **The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America**, is designed to assist with these additional costs. To help you understand how the plan works and highlight its value, here’s a step-by-step walkthrough. ## Step 1: Easy Enrollment with Guaranteed Acceptance Securing coverage is straightforward, especially for TMA members. - **Guaranteed Acceptance for Members**: If you're a TMA member under age 65, you're guaranteed acceptance for \$20,000 in coverage. No medical exams, health questions, or underwriting are required. It's truly that simple. - **Guaranteed Acceptance for Your Spouse**: Once you are enrolled, this guaranteed acceptance also extends to your spouse or domestic partner under age 65, providing \$10,000 in coverage upon their enrollment. Seeking more extensive coverage? - You can apply for up to \$250,000 in total coverage. - Spouse and family coverage options are available. Enrollment is quick and easy, whether you complete it online or by contacting an advisor. [](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2) ***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Step 2: What Happens if You're Diagnosed? Should you be diagnosed with a covered illness, you **receive a \$20,000 lump sum benefit paid directly to you.** This payment remains unaffected by any other insurance benefits you receive. There are no deductibles, co-pays, or coinsurance to manage. You have complete freedom to use the benefit in whatever way best supports your recovery and eases your mind, whether for medical or non-medical expenses such as travel, time away from work, household costs, childcare, home modifications, or other personal needs. ## Step 3: Understanding Your Coverage: What Conditions Are Included? Many of the most serious health challenges are addressed by this coverage, with benefits provided as shown below. **100% Benefit Paid For:** - Invasive Cancer - Heart Attack - Stroke - Major Organ Failure - Renal Failure - Alzheimer's Disease - Non-Invasive Cancer (excluding skin cancer) **25% Benefit Paid For:** - Multiple Sclerosis - Parkinson's Disease - Severe Coronary Disease - Occupational HIV Infection - Terminal Illness This plan aims to alleviate some of the financial stress that critical illnesses can place on individuals and their families. ## Step 4: Your Coverage Stays With You As long as you maintain your TMA membership, your coverage remains active. This means your vital protection continues with you, even if your job or practice situation changes. ## Get Started Today With guaranteed acceptance, a direct lump-sum payment, and coverage that follows you through career changes, the TMA Member Critical Illness Insurance plan is a smart way to strengthen both your financial and health strategies. You can enroll online or call 800-880-8181, Monday through Friday from 8:00 AM to 5:00 PM CST, to speak with an advisor. [](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e) [](https://cta-redirect.hubspot.com/cta/redirect/400074/9bd4d602-5a80-4525-8e30-bf1985283605) **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**. Group 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 it 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, and 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. 1087767-00001-00 [Residents](https://www.tmait.org/blog/topic/residents) [, Medical Insurance](https://www.tmait.org/blog/topic/medical-insurance) [, Critical Illness Insurance](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Independent Physician](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians](https://www.tmait.org/blog/topic/young-physicians) [, Business of Medicine](https://www.tmait.org/blog/topic/business-of-medicine) [, Young Physicans](https://www.tmait.org/blog/topic/young-physicans) [Life Events](https://www.tmait.org/blog/topic/life-events) [Previous Entries](https://www.tmait.org/blog/insurance-that-gives-back) [Next Entries](https://www.tmait.org/blog/ready-get-set-mark-your-calendars-its-time-to-look-at-medicare) ## Recommended Posts [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [A Year of Travel with Your New TMA Member Travel Insurance Benefit](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) [You Treat Illness, But Can You Afford It? Secure Your \$20K Benefit](https://www.tmait.org/blog/you-treat-illness-but-can-you-afford-it-secure-your-20k-benefit) [Is Your Insurance Retirement Ready?](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) [Beat the Rate Hike for Group Health Coverage](https://www.tmait.org/blog/beat-the-rate-hike-for-group-health-coverage-group-benefits) [Rising Costs Ahead? Reassess Your Group Health Plan](https://www.tmait.org/blog/rising-costs-ahead-reassess-your-group-health-plan-group-benefits) [Don’t Miss Out: Last Chance for Exclusive Health Coverage Options](https://www.tmait.org/blog/dont-miss-out-last-chance-for-exclusive-health-coverage-options) [Unlocking Little-Known Group Coverage Options for Owners and Independents](https://www.tmait.org/blog/unlocking-little-known-group-coverage-options-for-owners-and-independents) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) [When a High-Deductible Health Plan Meets Critical Illness](https://www.tmait.org/blog/when-a-high-deductible-health-plan-meets-critical-illness) [You Treat Illness, But Can You Afford It? Secure Your \$20K Benefit](https://www.tmait.org/blog/you-treat-illness-but-can-you-afford-it-secure-your-20k-benefit) [\$20,000 in Critical Illness Coverage: Don't Miss this Valuable Membership Benefit](https://www.tmait.org/blog/20000-in-critical-illness-coverage-dont-miss-this-valuable-membership-benefit) [Two Powerful Guarantees: Critical Illness Coverage Designed for Texas Physicians](https://www.tmait.org/blog/two-powerful-guarantees-critical-illness-coverage-designed-for-texas-physicians) [Secure \$20,000 of Critical Illness Coverage for You, \$10,000 for Your Partner](https://www.tmait.org/blog/secure-20000-of-critical-illness-coverage-for-you-10000-for-your-partner) [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [A Year of Travel with Your New TMA Member Travel Insurance Benefit](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [A Year of Travel with Your New TMA Member Travel Insurance Benefit](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) [The Blind Spot in Your Disability 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 23 August 2025 Health insurance covers medical treatments, but what about the many other expenses a serious illness can bring? **The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America**, is designed to assist with these additional costs. To help you understand how the plan works and highlight its value, here’s a step-by-step walkthrough. Step 1: Easy Enrollment with Guaranteed Acceptance Securing coverage is straightforward, especially for TMA members. **Guaranteed Acceptance for Members**: If you're a TMA member under age 65, you're guaranteed acceptance for \$20,000 in coverage. No medical exams, health questions, or underwriting are required. It's truly that simple. **Guaranteed Acceptance for Your Spouse**: Once you are enrolled, this guaranteed acceptance also extends to your spouse or domestic partner under age 65, providing \$10,000 in coverage upon their enrollment. Seeking more extensive coverage? You can apply for up to \$250,000 in total coverage. Spouse and family coverage options are available. Enrollment is quick and easy, whether you complete it online or by contacting an advisor. [](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2) ***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** Step 2: What Happens if You're Diagnosed? Should you be diagnosed with a covered illness, you **receive a \$20,000 lump sum benefit paid directly to you.** This payment remains unaffected by any other insurance benefits you receive. There are no deductibles, co-pays, or coinsurance to manage. You have complete freedom to use the benefit in whatever way best supports your recovery and eases your mind, whether for medical or non-medical expenses such as travel, time away from work, household costs, childcare, home modifications, or other personal needs. Step 3: Understanding Your Coverage: What Conditions Are Included? Many of the most serious health challenges are addressed by this coverage, with benefits provided as shown below. **100% Benefit Paid For:** Invasive Cancer Heart Attack Stroke Major Organ Failure Renal Failure Alzheimer's Disease Non-Invasive Cancer (excluding skin cancer) **25% Benefit Paid For:** Multiple Sclerosis Parkinson's Disease Severe Coronary Disease Occupational HIV Infection Terminal Illness This plan aims to alleviate some of the financial stress that critical illnesses can place on individuals and their families. Step 4: Your Coverage Stays With You As long as you maintain your TMA membership, your coverage remains active. This means your vital protection continues with you, even if your job or practice situation changes. Get Started Today With guaranteed acceptance, a direct lump-sum payment, and coverage that follows you through career changes, the TMA Member Critical Illness Insurance plan is a smart way to strengthen both your financial and health strategies. You can enroll online or call 800-880-8181, Monday through Friday from 8:00 AM to 5:00 PM CST, to speak with an advisor. [](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e) [](https://cta-redirect.hubspot.com/cta/redirect/400074/9bd4d602-5a80-4525-8e30-bf1985283605) **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**. Group 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 it 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, and 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. 1087767-00001-00