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Group Business Overhead Expense Insurance for APTA Members

If you were to suffer a disability due to an injury or illness, your personal disability insurance would help you pay your personal expenses, but what about the continuing expenses of keeping your practice running?​​​

The APTA Group Business Overhead Expense (BOE) Insurance is disability insurance for your practice. Coverage is designed to help cover eligible business expenses, such as business loans, leasing costs, taxes, employee salaries, maintenance and utilities, when the insured is totally disabled by a covered injury or illness and can't work in his or her profession. This added financial help could be the difference between keeping your practice running while you're recovering or having to shut the doors until you can return.

You are eligible to apply for this BOE Insurance if you are an APTA member, under age 60, actively working at least 20 hours per week, a U.S. resident and not serving active military duty in the service of any country for a period of more than 30 days.* The Business Overhead Expense plan is excluded in NH, OH, VT.  Currently not available in AK; DE FL; LA; ME; MD; MS; MO; MT; NC; ND; NM; NV; OR; SC; TX; UT; WA.WI; WV; WY Please check back for updates or contact the plan administrator with interest so you can be notified when this coverage becomes available in your state.

Summary of Benefits

  • Choose between $500 and $15,000 in coverage**
  • 30-day waiting period and 24-month maximum benefit period for each injury or sickness
  • Covered business expenses include rent; utilities; employee salaries; taxes and mortgage interest payments on the business premises; business and malpractice insurance premiums; and other but similar fixed overhead expenses (see your Certificate of Insurance for a full list)
  • Survivor benefit - continues to make up to three monthly payments for the insured's eligible portion of incurred expenses if disability results in death after at least 12 continuous months of receiving benefits


  • Competitive group rates exclusively for APTA members
  • Waiver of premiums while you're totally disabled
  • 30-day free look - make sure you're completely satisfied before paying your first premium

Additional Information**

*All applications are subject to medical underwriting and approval. If a medical exam is required, it will be conducted at your convenience and at no cost to you.

**Includes features, costs, renewability, exclusions and limitations.

Online application not available in SD. Residents of SD: please apply using the paper application.

Apply by Mail​

For questions on this plan and other insurance plans designed exclusively for APTA members, call 1-800-995-7667.

This plan is underwritten by New York Life Insurance Company, NY NY 10010 (policy form GMR). 

Online application not available in SD. Residents of SD: please apply using the paper application.


Call 1-800-995-7667

Mon – Fri, 8am – 6pm ET