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, working at least 20 hours each week, a resident of the U.S.(except Vermont) and a member of the association, Office Overhead Disability can allow 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:

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How long can I keep this coverage?

Unlike employer-based coverage, this insurance is portable--which means that if you change jobs, your coverage does not terminate. Access to this insurance is through your AAP membership. Just maintain your membership to keep your coverage, subject to the “When Coverage Ends” section in the brochure.

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 in the brochure available under the Downloads section.

How much of my incorporated practice is covered?

If you're a part of an incorporated or partnership practice, benefits are payable 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 in the Downloads section to the right or contact a specialist.

Legal Information

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.

AR Insurance License # 325944
CA Insurance License # 0G11911

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.

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.

**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.

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