If an unexpected illness or injury disrupted your ability to work, would your finances be able to support you? Residents and young physicians are especially at risk because they are most likely facing financial obligations such as education loans, mortgage or rent payments, and auto payments, among other expenses.
At this stage in your career, you may not have had the opportunity to build substantial savings, and a sudden loss of income could quickly put significant strain on your finances. This is especially true if you’re planning to start a family or have young children to care for. That’s why having a financial safety net in place is crucial to help navigate life’s unexpected challenges.

A Guarantee When You Need it Most
The TMA Member Short Term Disability Insurance plan, issued by The Prudential Insurance Company of America, is designed to help provide you with the financial support you need when you need it most. This plan offers guaranteed acceptance for eligible TMA members under age 55 with a benefit of up to $6,000 a month* for three months. This benefit can help manage and cover essential living and medical expenses while you focus on recovery with greater peace of mind.
The key benefits and features of the TMA Member Short Term Disability Insurance Plan:
- TMA members under age 55 are guaranteed acceptance for a cash benefit of up to $6,000/month.*
- Benefits are available up to $10,000/month with underwriting.*
- Affordable premium rates.
- Quick benefits – no waiting period for accidents and a 7-day waiting period for illnesses.
- Benefits are paid for up to 13 weeks.
- Pregnancy is covered (limited to 2 weeks prepartum and 6 weeks post-partum, 8 weeks for c-section).
- Benefits are paid regardless of any other insurance you may have.
- Benefits are paid directly to you – and are tax-free.
- As long as you’re a TMA member, coverage follows you throughout your career, regardless of where you practice.
If you are currently enrolled in a long term disability coverage plan, whether from your employer or you have your own policy, now is a good time to check the elimination period. There is a typical waiting period on most policies of 90 to 180 days before you receive your benefits, which could put your finances at risk. For many residents and young physicians, you may not have had the time to build up the significant savings needed to weather an illness or injury for that long, while being unable to earn an income.
Guaranteed acceptance for this coverage is a valuable benefit of your TMA membership, offering immediate support with benefits paid quickly and directly to you to help safeguard your hard-earned income.
Easy Enrollment, Guaranteed Acceptance
Don’t leave your income at risk due to an unexpected illness or injury. Enrolling in the TMA Member Short Term Disability plan is hassle-free and easy, simply click the button below to enroll today with guaranteed eligible member acceptance. Additionally, if you have any questions, contact one of our experienced advisors at 800-880-8181, weekdays from 8:00 A.M. to 5:00 P.M. CST. Take the next step towards better protecting your career and financial future for you and your loved ones.

For over 70 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.
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