PDA Member Group Business Overhead Expense

Disability income insurance can help you protect your personal finances when you can’t work. But if you own a business, you should also have business overhead expense (BOE) insurance – to help keep your business up and running until you can return. Depending on your age, you can apply for monthly coverage of up to $20,000 at competitive group rates to help pay for:

Office rent
Employee salaries and benefits
Utility bills, including heat, phone and internet
Premiums for business and malpractice insurance

You can apply for the BOE program if you are a PDA member, in full-time practice and under age 60. All applications are subject to Company acceptance.

Coverage is subject to underwriting approval by the insurer.

Semi-Annual Premiums* per $1,000 of Monthly Benefit 30 Day Waiting Period Attained Ages
Under 30	30-39	40-49	50-59	60-69
$25.20	$37.80	$63	$126.60	$252

Apply Now

Other resources:

Download our BOE brochure for more information about the plan including exceptions and limitations, and a monthly expense worksheet that will help you determine what your overhead expenses are and how much BOE coverage you need for your office.
FAQs

*Annual premiums are twice the semi-annual premium. Rates are reviewed annually and subject to change.

Policy form GPNP99-ASSN

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force.

Insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.

L0523031858[exp0525][All States][DC,GU,MP,PR,VI]