--- title: "TMA Member Short Term Disability: Guaranteed Acceptance For Coverage Up To $6,000 a Month" description: It's crucial to have a plan to help safeguard against the loss of income and depletion of savings that can result from an unexpected injury or illness. image: https://www.tmait.org/hubfs/March%202024/March%202024%20Week%202%20-%20Short%20Term%20Disability.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%202024/March%202024%20Week%202%20-%20Short%20Term%20Disability.png) [Short Term Disability](https://www.tmait.org/blog/topic/short-term-disability) # TMA Member Short Term Disability: Guaranteed Acceptance For Coverage Up To $6,000 a Month 11 January 2025 Protecting your financial future is imperative, especially for residents and young physicians navigating the complexities of medical training, career advancement, and personal milestones. Managing student loans and everyday expenses may cause financial strain and worry during this busy time. It's crucial to have a plan to help safeguard against the loss of income and depletion of savings that can result from an unexpected injury or illness. Additionally, if you are planning to start a family, prepping for the financial impact of that joyous event is just as vital as prepping your nursery. **TMA Member Short Term Disability Insurance** is designed to provide support in these situations. **This plan offers TMA members under the age of 55 guaranteed acceptance for a benefit of up to $6,000 a month* for up to 13 weeks.** [![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*** ## Help Protect Your Income From the Start TMA Insurance Trust recognizes the importance of protecting your income right from the start of your career. As you're likely still building your life savings and accumulating sick days, facing the unexpected without adequate income replacement coverage could significantly impact your ability to manage expenses and take the time off you need to recuperate. This is particularly important for physicians who own their practice or work as locum tenens, as they don't receive benefits from an employer. Securing short term disability insurance can help provide financial security during a difficult time, allowing you to put your recovery first. Outlined below are key features and benefits of the TMA Member Short Term Disability Insurance plan: - **Guaranteed Acceptance:** Members under age 55 receive guaranteed acceptance for a cash benefit of up to $6,000/month.* - **Affordable Premium Rates:** Enjoy budget-friendly premium rates designed to fit within your financial plan. - **Flexible Benefit Options:** With underwriting, benefits can extend up to $10,000/month* for members under age 65 to accommodate varying needs. - **Extended Coverage:** Benefits are paid for up to 13 weeks, keeping the premiums affordable and allowing guaranteed acceptance. - **Direct Payments:** Benefits are paid directly to you, offering financial flexibility during your time of need. - **Coverage Regardless of Other Insurance:** Benefits are paid regardless of any other insurance you may have. - **Portable Coverage:** Coverage follows you throughout your career, regardless of where you practice, as long as you remain a TMA member. - **Pregnancy is Covered:** Pregnancy coverage includes 2 weeks prepartum and 6 weeks postpartum (8 weeks for c-section), to support women physicians during this significant life event. Members must be enrolled in the coverage for at least 12 months before becoming pregnant to take advantage of this benefit. ## Quick Benefits Paid Directly to You If you're already enrolled in a long term disability plan with your employer or have your own policy, you may have to wait up to 90 or 180 days to receive your benefits. For most, waiting this long is not an option if you face an unexpected injury or illness. With the TMA Member Short Term Disability plan, acceptance is guaranteed, with benefits paid quickly and directly. **There is no waiting period for covered accidents and only a 7-day period for covered illnesses,** ensuring timely financial support and giving you a valuable safety net to help you and your family cover living expenses and medical bills. Other coverage options are available. ## Coverage for Exceptional Care Enrolling in the TMA Member Short Term Disability plan can help you establish a solid financial foundation by safeguarding your hard earned income. Take the first step today by clicking below to contact one of our advisors for personalized guidance or call us at 800-880-8181, weekdays from 8:00 A.M. to 5:00 P.M. CST. Let's get you covered so you can continue giving exceptional care to your patients and family, now and in the future. [![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 65 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.   TMA Member Short Term Disability 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. 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