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
Above is the information needed to cite this article in your paper or presentation. The International Committee
of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally
accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.
About the ICMJE and citation styles
The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.
An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.
BCMJ standard citation style is a slight modification of the ICMJE/NLM style, as follows:
- Only the first three authors are listed, followed by "et al."
- There is no period after the journal name.
- Page numbers are not abbreviated.
For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit www.icmje.org