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Personal Insurance Plans - Designed Exclusively for Members of the American Physical Therapy Association

HPSO, in partnership with the APTA, offers a variety of personal insurance products to help protect you and your family in difficult times, all at competitive group rates-- exclusively for APTA members. This coverage is designed specifically to meet the needs of professionals like you. And, because you are a member of the APTA, you have access to higher coverage limits than other healthcare professionals*.​​​

Group Term Life for APTA Members

If your loved ones were to lose you, a tax-free cash benefit of up to $1,000,000 could make a big difference, when they needed it most.

Your family's financial obligations will continue, even after you're gone. Although no amount of money can replace your presence in your loved ones' lives, term life insurance is a simple way to better protect their financial futures if something should happen to you. The benefits provided by this plan are paid in full, regardless of any other insurance you have in place, and this coverage remains yours, even if you change jobs or become self-employed. 


Group Level Term Life for APTA Members

Lock in your rate today and get up to $2,000,000 in life insurance coverage with no scheduled premium increases for the next 10 or 20 years. 

Level Term Life Insurance is basic, cost-effective protection that allows you to lock in your premium rate for a set period of time. During that period, you pay your premium and in return, know that if your loved ones were to unexpectedly lose you, they would at least have the financial help of the insurance benefit you have arranged for them.


Group Long-Term Disability for APTA Members

If you were suddenly unable to work due to injury or illness, you'd still be responsible for the bills and other financial obligations you currently rely on your paycheck to cover.

Disability can happen to anyone. Group Disability Income Insurance can help ensure that a portion of your income continues if you're suddenly unable to earn your regular paycheck for an extended period due to a covered injury or illness. If you couldn't work, it's likely that receiving monthly cash benefits to help cover your expenses would be a welcome relief.


Group Short-Term Disability Insurance for APTA Members

When you consider the potential effect a disability could have on your way of life, you really can't ignore the critical need to have a backup plan in place.

This Group Short-Term Disability Insurance provides cash benefits to help replace your income while you're unable to work due to a covered injury or illness. Monthly disability benefits are sent directly to you to help cover deductibles and copayments, monthly bills and other expenses for up to six months while you recover.


Group Business Overhead Expense Insurance for APTA Members

Even if you have personal disability income insurance for your living expenses, you may not have thought about how you'd continue to cover expenses related to your practice if you were disabled and unable to work.

You, your employees, and your clients all rely upon your business remaining open, even if you're disabled due to covered injury or illness. Group Business Overhead Expense (BOE) Insurance is disability insurance for your practice; it's designed to help you keep the doors open and continue paying the critical bills until you're able to return.


Health Insurance Marketplace brought to you by Aon Health PLUS

The APTA, in partnership with HPSO, has arranged for Aon, the global leader in health benefits, to provide members with an easy-to-use solution for finding the right health insurance.

By working with Aon Health PLUS, you’ll receive education, guidance and access to an individual health insurance marketplace backed by a support team that helps ensure an exceptional customer experience.


Medicare Retiree Health Solutions

There's a lot to know about Medicare and we'll guide you through it. Shop the only private Medicare Exchange recommended by the National Council on Aging (NCOA) for continually meeting rigorous standards of excellence.


Long Term Care Resources for APTA Members

Long-Term Care Resources (LTCR) provides a comprehensive Long-Term Care Plan as a strategy to protect your savings and assets from the rising costs of long-term care. A choice of top rated insurance carriers is available to offer a wide range of plans. This expanded portfolio allows far wider underwriting criteria to cover more members.


Individual Professional Liability Insurance for Physical Therapists

You're good at what you do, you're careful, and you are in a profession dedicated to helping improve the quality of peoples' lives. Because of this, you may think you don't need individual professional liability protection. Unfortunately, in these litigious times, the chances of you getting sued are increasing.


Property, Workers' Comp and Other Essential Insurance Coverages for Healthcare Businesses & Practices

You would do anything to protect the financial future of your business. From your building and surrounding properties to the well-being of your employees, you want to be prepared should anything happen. That’s why it’s important for you to have broad business owner’s insurance coverage. A Business Owner’s policy (BOP) through HPSO is designed to help cover your business or practice from any risks encountered during your day-to-day operations.



HPSO also offers these personal insurance plans that are not exclusive to APTA members.

Group Accidental Death & Dismemberment Insurance

The HPSO Group Accidental Death & Dismemberment Insurance plan helps to protect healthcare providers and their family from the financial consequences of an unexpected accident. The plan offers up to $100,000 in accident insurance to healthcare providers, up to age 70 and their family.


Group Dental Insurance

Help protect yourself and your family against today's rising dental costs with HPSO's new group dental insurance program. Healthcare providers and their families are guaranteed acceptance into this plan.



*The APTA Disability Income and Term Life plans offer higher coverage limits than other plans offered to healthcare practitioners through HPSO.​ 

Click the links above to learn more about each plans features, costs, eligibility renewability, exclusions, limitations and carrier information. 


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