INSURANCE FOR TEXAS PHYSICIANS
Office Overhead Expense Peace of mind for you and your practice
Protect your medical practice from the unforeseen
Disabilities can strike without warning, affecting not only your health, but also your ability to keep your practice running while you are recuperating. If you were to become disabled and could not work, how would you cover office expenses, such as employee salaries, rent, taxes, and utilities?
Office Overhead Expense Insurance, issued by The Prudential Insurance Company of America and endorsed by the TMAIT, can help pay for regular monthly office expenses to keep your medical practice operating if you were unable to work due to a disability.
Exclusively for TMA Members
• 24/7 coverage • Benefits for total or partial disability • A customized policy to fit your needs
• Coverage you can keep if you move out of Texas
• Potential tax-deductible premiums Plan provisions
• A maximum monthly benefit amount to $35,000
• Coverage you can retain up to age 75
• An expanded list of eligible overhead expenses to reflect the changing practice environment
• TMA Members can now apply up to age 70
• Physicians who are medically approved for coverage before age 40 can increase coverage up to $5,000 within five years of their approval date without having to provide proof of good health. All coverage increases must be exercised prior to age 45 and a member’s total coverage cannot exceed the plan maximum of $35,000.
Office Overhead Expense Insurance is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ. This coverage contains certain limitations and exclusions; please see the certificate booklet for full details. If there is a discrepancy between this document and the certificate, the terms in the certificate will prevail. Contract series 83500.
0192427-00003-00 Ed. 1/13 TMA-53709
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60