AAP Group Office Overhead Expense Disability Insurance

Group Office Overhead Insurance

Underwritten By New York Life Insurance Company


Keep Your Business Moving.

Owning your own practice means you have a lot more at stake than just your patients health. If you become disabled, expenses like rent, utilities, and especially employee payroll can add up quickly. If you are under age 60 and working at least 20 hours each week, Office Overhead Disability allows you to keep your practice running until you are able to return to work.


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

Important Questions:

View All

How long can I keep this coverage?

Unlike employer-based coverage, this plan is portable--which means that if you change jobs, your coverage does not terminate. Access to this plan is through your AAP membership. Just maintain your membership to keep your coverage.

When and where am I covered?

You have coverage 24 hours a day, 7 days a week no matter where you may be. Sports and recreational activities are covered as well as disabilities suffered in the course of professional duties. See "Coverage Exclusions" section on the attached brochure.

How much of my incorporated practice is covered?

If you're a part of an incorporated or partnership practice, our insurance pays benefits in proportion to your ownership in the corporation or partnership at the time of your disability.

Are all my offices covered?

Yes, if you have more than one office, your benefits will be paid for the total of all your eligible office overhead expenses up to the limits you select.

Have more questions?

For more information on this coverage – features, costs, eligibility, renewability, limitations and exclusions – please download the brochure to the right or contact a specialist.



*Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010—Policy Form GMR-FACE-G46622. Available only for members and employees residing in the U.S. (excluding Vermont) and Canada (excluding Quebec). 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 plans it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.

**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.

AAP Insurance Application Portal

Apply Online Today Safely and Securely...


Applying is easy and safe through our encrypted online portal. Please make sure that you have all the information you will need to complete your application before you start. Click Apply Now for additional details.

APPLY NOW
Download Icon

Downloads



If you wish to apply for this coverage, simply download and complete the appropriate application and send it to USI Affinity.

Legal Information:


This policy can only be applied for by members. A 30 day free look provides an opportunity for return of the Certificate of Insurance without claim and a full refund. Please note state specific applications and other forms if applicable. To view a file you must have Adobe Acrobat Reader installed.

Puerto Rico residents should send application to:
Global Insurance Agency Inc.
P.O. Box 9023918
San Juan, Puerto Rico 00902-3918

AR Insurance License # 325944
CA Insurance License # 0G11911