Your Passport to Protecting Your Livelihood. When you're in practice for yourself, you have a unique need: to protect your practice in the event you become Totally Disabled by an accident or illness. Not only does your income stop when you're not working, but the expenses continue — your rent, employee salaries, utilities, taxes, interest on loans, maintenance and depreciation of equipment, and so on. Disability insurance helps replace your loss of income without damaging your standard of living, but you still need to protect your practice. Even if you share offices or have partners, you may have to pay a pro-rata share of expenses. Protect your practice, today, with Office Overhead Expense Insurance.

PRACTICAL HELP Helps provide a means of continuing to meet the overhead expenses of your practice when a disabling illness or injury puts a stop to your income. Provides monthly benefits to pay your pro-rata share of expenses when disabled. Helps keep your practice going while you are disabled. VALUABLE BENEFITS Members Under Age 65 Are Eligible to Apply Your Choice of Monthly Benefits You may apply for up to $7,500 in coverage, in $100 increments. 30-Day Waiting Period The Plan has a 30-day waiting period — the amount of time you must be totally disabled before benefit payments begin. Benefits Payable Up to 24 Months Benefits begin after the 30-day waiting period, and will continue for up to 24 months for each accident or sickness beginning prior to age 65 (12 months for disabilities starting at age 65 or over). Covers Expenses of Operating Your Practice Preferred Definition of Total Disability Protects You as a Trial Lawyer Premiums Waived If You Are Totally Disabled Death Benefit

For information about Plan features, cost, eligibility, renewability, limitations and exclusions, please refer to the Office Overhead Expense Plan Information.

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