Office Overhead Expense Insurance

Insurance protection to help keep your practice running if you were unable to work due to a covered disabling illness or injury.

Don’t let a disability put your practice out of commission.

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 Group Office Overhead Expense Insurance Plan is actually like disability income insurance for your practice. It can provide 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.

“Own Speciality” Definition of Disability

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 a covered sickness, injury or organ donation.

Coverage up to $20,000 a month

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 is designed to work for you. Benefits are paid directly to you to meet the ongoing expenses of keeping your office going while you can’t practice.

It’s a valuable answer to a serious concern.

The expenses of running a practice can be much greater than many small businesses. That’s why this insurance is priced to provide exceptional value. In addition, AMA members receive a 35% rate reduction and non-members receive a 10% rate reduction for at least the first year of coverage.

New York Life Logo

Underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
On Policy Form GMR-FACE/G-30682-0
Under Group Policy No. G-30682-0

trademarks of New York Life Insurance Company.  Other
trademarks are the property of their respective owners.

Apply Online

Visit the enrollment site to apply online.

Apply By Mail

Select your state to download an application to apply by mail.

8am – 5pm
(M-F, CT)

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Rates current as of 2022.

The AMA-sponsored Office Overhead Expense Plan is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-30682-0 on Policy Form GMR-FACE/G-30682-0. Coverage may not be available in all states and product features may vary by state.

Quotes are for illustrative purposes only. Premium credits are reviewed and may change annually. The premium credit is locked in when coverage is issued and is guaranteed for at least the first year of coverage.

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Which Product May Be Right For Me?

Selecting the right insurance products can be confusing. Browse lists of products for physicians at different points in your medical career, or talk to an Insurance Specialist for more specific guidance and assistance.

Why AMA Insurance?

Our insurance reflects the unique needs of physicians. As a subsidiary of the American Medical Association (AMA), we tap into the power of over one million physicians to offer you specially negotiated benefits from top insurance companies.

SMRU #1766472