--- title: Don't Let a Health Setback Become a Major Financial Crisis description: In an instant, your rainy-day savings could disappear, putting you and your family in a difficult financial spot. image: https://www.tmait.org/hubfs/October%202025/October%202025%20Week%203%20-%20STD.png --- - [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/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![Physical Therapist working with patient](https://www.tmait.org/hubfs/October%202025/October%202025%20Week%203%20-%20STD.png) [Residents](https://www.tmait.org/blog/topic/residents) # Don't Let a Health Setback Become a Major Financial Crisis 18 October 2025 Don't Let a Health Setback Become a Major Financial Crisis 3:48 No matter where you are on your career path, your ability to earn an income is your single most valuable asset. In an instant, your rainy-day savings could disappear, putting you and your family in a difficult financial spot. As a practicing physician with growing responsibilities, you may be paying a mortgage, raising a family, and balancing a more complex financial life. This is where the TMA Member Short Term Disability Insurance (STD) plan, **issued by The Prudential Insurance Company of America,** comes in. It’s designed to provide access to income precisely when you need it. ## Is Your Income Protected? It all comes down to one simple question: if you lost your income, even for a short period, because you were injured or too sick to practice, would all of your living expenses and medical bills be covered? For most young and many mid-career physicians, the answer is no. The TMA Member Short Term Disability plan serves as a financial safety net, providing a cushion that helps protect your finances if you are unable to practice. The plan offers a wide range of benefits regardless of any other insurance you may have: - **Guaranteed Acceptance:** TMA Members under age 55 are guaranteed acceptance for a cash benefit of up to $1,500/week, and up to $2,500/week with underwriting. - **Affordable Premiums:** Designed to be affordable for young physicians. - **Up to 90 Days of Coverage:** Benefits are paid for up to 90 days, helping to bridge the gap until you can return to work. - **Quick benefits**: The plan has no waiting period for accidents and just a 7-day waiting period for covered illnesses. - **Benefits Paid Directly to You: **Use the cash for whatever you need, from student loans to mortgage payments. - **Covers Partial and Total Disability:** You don't have to be completely unable to work to receive benefits; the plan pays for partial disability. - **Pregnancy is Covered:** The plan provides coverage for pregnancy. Benefits include coverage for two weeks prepartum and six weeks postpartum (eight weeks for a C-section). [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/9f6b3bd1-357e-4550-92b6-29ba71f4f125.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/9f6b3bd1-357e-4550-92b6-29ba71f4f125)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## A Safety Net for Gaps in Your Coverage You may already have long term disability insurance through your employer or your own. But have you checked how long you have to wait before it starts paying benefits? That waiting period, called* the elimination period*, can be anywhere from 90 to 180 days. Can your finances sustain paying bills for three to six months before your savings run out? The TMA Member Short Term Disability plan is designed to help bridge this crucial gap. There is no waiting period for a covered illness. **Acceptance is guaranteed** for members under 55, so you can quickly have this vital safety net in place to help cover that gap. Short term disability insurance is about more than just money; it’s about helping to protect your financial future and reducing your financial risks. It allows you to take the necessary time off for healing, enabling you to return to your patients with renewed energy and focus. Whether you are at the beginning of your career or an established physician, let us help you protect your hard-earned income by calling us at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/465dd6dc-d3d2-4bbc-8242-8cacf7b55407.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/465dd6dc-d3d2-4bbc-8242-8cacf7b55407)   **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. 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. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500 1088506-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Family ](https://www.tmait.org/blog/topic/family) [, 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) [, Short Term Disability ](https://www.tmait.org/blog/topic/short-term-disability) ** [Individual Coverage](https://www.tmait.org/blog/topic/individual-coverage) [**Previous Entries](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) [Next Entries**](https://www.tmait.org/blog/group-health-insurance-little-known-options-for-independents-group-benefits) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why 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