No one is immune to illness or injury. Which is why you likely have disability income insurance to help safeguard your family’s lifestyle. The Office Overhead Expense Insurance Plan is actually like disability income insurance for your practice. It provides you with monthly cash payments to help cover the expenses of running your office, including hiring a locum tenens physician to fill in for you.

This is 'own occupation' coverage. You’re eligible to receive monthly payments to help cover your office expenses if you are unable to perform the material and substantial duties of your specialty due to sickness, injury or organ donation.

Tailor this protection to meet the needs of your practice. You choose a waiting period and benefit period that offers you the protection you need at a price that works in your budget. Benefits are paid directly to you to meet the ongoing expenses of keeping your office going while you can’t practice.

The expenses of running a practice can be much greater than many small businesses. That’s why this plan is priced to be especially affordable. In addition, AMA members receive a 35% rate reduction and non-members receive a 15% rate reduction for at least the first year of coverage.