Office Overhead Expense Insurance
Keep Your Business Moving.
If you become disabled, Office Overhead Disability can allow you to keep your practice running until you are able to return to work.
If you become disabled, Office Overhead Disability can allow you to keep your practice running until you are able to return to work.
Owning your own practice means you have a lot more at stake than just your patients' health. Expenses like rent, utilities, and especially employee payroll can add up quickly. This coverage is avilable if you are under age 60, working at least 20 hours each week, a resident of the U.S. (except Vermont) and a member of the association.
Overview of Coverage for Group Office Overhead Expense Disability*:
- Available for individual, incorporated, or partnership practices
- Benefits up to $10,000/mo. that begin on the 31st day of total disability
- Choose from 12- or 24-month benefit periods
- Benefits paid regardless of other coverage
- Waiver of premium available
- Premiums may be tax deductible**
- Coverage terminates at age 70
Take the Next Step:
Contact a licensed specialist to learn more.
1-800-257-3220
Or complete the Request Form below.
Office Overhead Expense Insurance Info Request Form
There is no obligation to apply or purchase.
AAP Exclusive
This coverage can only be applied for by members. A 30-day free look provides an opportunity for return of the Certificate of Insurance without claim in which your coverage would be invalidated and sent a full refund.
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010—Policy Form GMR-FACE-G46622. Available only for members residing in the U.S. (excluding Vermont). USI Affinity is acting solely as Administrator for Canadian residents. New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.
Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia.
AR Insurance License #325944; CA Insurance License #0G11911. #5034527.4 | 2021 | WE_0335_0121_AAP
**New York Life will issue full listed benefit amount when premiums are paid with personal, after-tax dollars. Consult a tax professional in your area for more information..