Improvements to the Office Overhead Insurance plan

Issue: BCMJ, vol. 50, No. 8, October 2008, Page 465 News
By: Sandie Braid, CEBS

Almost all physicians protect the source of their livelihoods—their income—by purchasing disability insurance. But income is only half the equation. For many physicians a substantial portion of the income they earn is spent in running their practice. 

The BCMA Office Overhead Insurance program has been designed to help you cover your office expenses if a disability should strike. And now this program has been improved to provide even better coverage than before. Highlights of the benefit improvements include:

• An increase in the maximum monthly benefit from $11000 to $20000 (the maximum benefit available under the 14-day elimination period option remains at $11000).

• Coverage for partial disability

• Inclusion of coverage for:
  – Survivor benefit
  – Cosmetic transplant benefit
  – Parental benefit

• Optional guaranteed insurability benefit rider—safeguards your ability to purchase additional coverage in the future, without proof of good health.

Even if you work in a group practice or a clinic, if you become disabled you may still have financial obligations to your partners or colleagues. Without office overhead insurance, your share of the office expenses may have to be paid out of your monthly disability benefits, potentially affecting your and your family’s lifestyle.

If you already hold BCMA office overhead insurance, you will be receiving further information about these improvements with your annual renewal notice in October. If you are not protected by this plan, you can call us for further information, or visit www.bcma.org and click on Member Benefits/Insurance/Office Overhead, to download a brochure.

—Sandie Braid, CEBS
BCMA Insurance

Sandie Braid, CEBS. Improvements to the Office Overhead Insurance plan. BCMJ, Vol. 50, No. 8, October, 2008, Page(s) 465 - News.


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