--- title: "Guaranteed Acceptance: Get Up to $6,000/Month With TMA Member Short Term Disability" description: If an unexpected illness or injury disrupted your ability to work, would your finances be able to support you? image: https://www.tmait.org/hubfs/March%202025/March%202025%20Week%202%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 ![](https://www.tmait.org/hubfs/March%202025/March%202025%20Week%202%20-%20STD.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Guaranteed Acceptance: Get Up to $6,000/Month With TMA Member Short Term Disability 8 March 2025 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. [![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 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. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/effacd66-6223-461b-8b2a-373b2c7dfa4f.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/effacd66-6223-461b-8b2a-373b2c7dfa4f) 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. *The $6,000 benefit is based on $1,500 per week, and the $10,000 is based on $2,500 per week. The monthly amount you receive may be higher.   **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   TMA Member Long Term Disability and Short Term Disability coverages are 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. Contract Series: 83500. 1085238-00001-00 ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Life Events ](https://www.tmait.org/blog/topic/life-events) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, 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) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/the-life-youve-built-deserves-to-be-protected-with-life-insurance) [Next Entries**](https://www.tmait.org/blog/tma-member-5000-month-disability-benefit-protection-you-shouldnt-put-off-securing-ltd) ## Recommended Posts ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [What the TMA Member Disability Plan Includes That Others Don’t](https://www.tmait.org/blog/what-the-tma-member-disability-plan-includes-that-others-dont) ### [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) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ### [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 Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [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? 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