As a physician or dentist that may own a practice, your role is both a healthcare professional and business owner. Consequently, a disability can be devastating on two fronts. Not only does it threaten your quality of life at home by limiting – or eliminating – your ability to earn an income needed to meet monthly personal expenses – at the same time, more long-term and financially devastating damage is occurring. As the monthly expenses of running the business relentlessly mount up, a serious disability could result in the permanent loss of hard-earned clients and even the business itself.

Overhead Expense Disability Insurance is designed to address those needs by providing benefits to reimburse the monthly business expenses of the business during a period of disability.

What Does it Cover?

- Telephone
- Water
- Real Estate Taxes
- Salaries of employees who are not members of the insured’s profession
- Interest on debt
- Electricity
- Heat
- Other fixed expenses that are ‘normal, necessary and customary in the conduct of the insured’s business or practice.’

How much coverage is available?

- up to $50,000.00 a month*
- Benefit periods up to 2 years*

*Various products offer different coverage limits based on Benefit Periods. Please discuss the available options with an agent to see how much is available.