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Group Professional Overhead Expense Insurance

As a business owner, your patients aren't the only ones who depend on you—you have financial obligations to your employees, utility companies, professional organizations, and more. If an injury or illness keeps you from working, how will you continue to manage these expenses?

AAO-Endorsed Professional Overhead Expense Insurance (POE) helps you cover your business expenses in the event a covered disability keeps you from working.

You can use the benefit for:

  • Rent
  • Utilities
  • Employees’ salaries
  • Principal and interest payments on outstanding business debts
  • Equipment maintenance
  • And more!

Plan Overview

Highlights of the AAO-Endorsed Group POE Plan include:

  • Range of coverage amounts: Choose any amount you need, from $500 to $20,000 per month
  • Future increase option: Increase your coverage in the future without medical underwriting
  • Premiums waived while you’re disabled: If you become totally disabled while insured before age 60, and remain so for 6 consecutive months, your premium may be waived

For additional details, refer to the AAO-Endorsed Group POE brochure.

Is AAO-Endorsed Group POE Right for You?

If you own a business, you should consider professional overhead expense insurance. POE will help cover your business expenses in the event you can’t work due to a covered disability caused by an illness or injury. Without it, you may have to use personal funds or take on debt to keep your business afloat. POE is not intended to replace your personal disability insurance, however. Your personal disability coverage will replace a portion of your own income, while POE will help cover your routine business expenses, including employees’ salaries. For questions on this coverage, contact a representative at 800.622.0344.

Insurance Carrier

New York Life Insurance Company (New York Life) is a leader in the association group insurance field, providing life and health insurance plans for associations. The company has an enduring commitment to its customers' financial security. Regardless of the state of the economy or the stock market, New York Life bases its financial decisions on the guiding principle of serving its clients. New York Life has received the highest ratings for financial strength currently awarded to any U.S. life insurer from the leading independent ratings agencies, including A.M. Best (A++ as of 9/12/2019).

New York Life
State of Domicile:  New York
NAIC ID #66915
51 Madison Avenue
New York, NY 10010 USA

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the plan details for current availability.

This is a brief summary of benefits only and is subject to the terms of the master policy issued by New York Life Insurance Company to the American Association of Orthodontists, under Group Policy No. G-14242-4, on Policy Form (GMR/FACE/G-14242-4). Coverage may vary or may not be available in all states.

Download the brochure to the right for plan information, including features, costs, eligibility, renewability, limitations, and exclusions.

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Applying for coverage through the AAO-Endorsed Insurance Program is easy. Click below to start the online application process today.

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