What happens when an unexpected illness or injury moves you from caring for patients to becoming one, and time away from your practice becomes part of your reality?
You may have already prepared for a serious or prolonged health event by securing long term disability insurance. The period before those benefits begin, however, is often overlooked and can create a potential blind spot in disability insurance coverage planning.
The 90 Day Risk
Long term disability policies typically include an elimination period, or waiting period, of 90 to 180 days, meaning several months may pass before payments become available. Without planning for that coverage delay, even a short absence from your practice can strain your finances or increase reliance on savings.
The TMA Member Short Term Disability Insurance plan, issued by The Prudential Insurance Company of America, helps fill this timing gap by providing coverage while your paycheck is temporarily interrupted and long term disability benefits have not yet begun.
One of its defining advantages is guaranteed acceptance for members under age 55 for weekly benefits of up to $1,500.
The TMA Member Short Term Disability Insurance Plan
Your TMA member plan is structured around the income protection needs physicians face throughout their careers. In addition to guaranteed acceptance — a valuable benefit tied directly to TMA membership — your plan includes features such as:
- Weekly Cash Benefits: Receive up to $1,500 per week, with options to increase up to $2,500 per week with underwriting.
- Benefits Begin Quickly: No waiting period for accidents, and only a 7-day waiting period for illnesses.
- Tax-Free Benefits: Receive payments directly to you for up to 13 weeks, which may be used for medical or non-medical expenses.
- Pregnancy Included: Provides two weeks prepartum and six weeks postpartum, or eight weeks for C-section delivery.
- Yours To Keep: Coverage follows you throughout your career, as long as you remain a TMA member.
- Affordable Premiums: Coverage designed to fit comfortably into a monthly budget.
- Easy Enrollment: Available online or by phone, offering flexibility around your schedule.
- Risk Free Review: A 30-day review period is included, with a full refund available if coverage is canceled during that time.
Short term disability coverage through TMA Insurance Trust helps provide quick access to funds that can support housing costs, household expenses, childcare, and other obligations that continue while you take the time you need for rest and recovery.
Planning Ahead Starts Here
If you are evaluating how your current disability coverage would respond during an absence from work, TMA Insurance Trust can help you review your options.
Enrollment in the TMA Member Short Term Disability Insurance plan is available online or by phone. Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
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