Every day you help patients through life’s unexpected moments. Sometimes, you’re the one facing them.
As your career grows, so do your professional and personal responsibilities. Whether you’re recovering from an injury, planning time away to welcome a new baby, or having to temporarily step away from work due to illness or surgery, having income protection in place can help focus on your health and your family.
Income When You Need It
Even a few weeks away from work can have a meaningful financial impact when your income is interrupted. Short term disability insurance helps provide income during that time.
For TMA members under age 55, the TMA Member Short Term Disability Insurance plan, issued by The Prudential Insurance Company of America, offers guaranteed acceptance for benefits of up to $1,500 per week, with the opportunity to apply for higher benefit amounts through underwriting.
Benefits begin immediately for accidents and just seven days for illnesses. Weekly cash benefits are payable for up to 13 weeks and are paid directly to you—not to a hospital or billing department—regardless of any other insurance coverage you may have. The plan also includes pregnancy coverage and is portable for as long as you remain a TMA member.
A Smarter Strategy
You may already have long term disability insurance through your employer. While that coverage provides valuable income protection, most policies include a 90- to 180-day elimination period before benefits begin. Some disabilities may resolve before reaching that point.
Short term disability insurance complements your long term disability insurance by helping protect your income during the elimination period while also providing benefits for disabilities that resolve before long term disability benefits begin.
Some physicians may even choose a longer elimination period for their long term disability coverage, to help reduce premiums. In those situations, the TMA Member Short Term Disability Insurance plan can become an even more important part of an overall income protection strategy.
With guaranteed acceptance, enrolling only takes a few minutes online — no paperwork, no hassle. Simply click the button below.
Plan Ahead with Confidence
The first few weeks away from work can pass quickly, but the financial impact can last much longer when life's financial responsibilities continue—from mortgage payments and student loan repayment to children's school tuition, retirement savings, and more. That's why it's worth taking another look at your income protection strategy.
A TMA Insurance Trust advisor can review your disability coverage—including employer-sponsored benefits—and help determine whether the TMA Member Short Term Disability Insurance plan is right for you.
The TMA Member Short Term Disability Insurance Plan
- Guaranteed acceptance: Members under age 55 are guaranteed acceptance for a cash benefit of up to $1,500 per week. If you need more, you can get up to $2,500 per week ($10,000/month) with underwriting.
- Get benefits quickly: There is no waiting period for accidents and only a 7-day waiting period for illnesses.
- Bridge the Gap: Benefits are paid for up to 13 weeks, perfect for covering that 90-day elimination period in your long term disability policy.
- Pregnancy: Covered (up to 2 weeks pre-partum and 6 weeks post-partum, or 8 weeks for a C-section).
- Double Protection: Benefits are paid regardless of any other insurance you have.
- Direct Support: The cash is paid directly to you, not the hospital or a billing department.
- Portable: This coverage follows you throughout your career, regardless of where you practice.
- Easy Enrollment with Guaranteed Acceptance: Available online, 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.
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