--- title: 5 Things Business Overhead Expense Does That Personal Disability Insurance Doesn’t description: As a practice owner, you’re responsible for paying monthly overhead expenses that keep your business up and running. But what happens if you have an injury? image: https://www.tmait.org/hubfs/March%202017/Blog%202.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/March%202017/Blog%202.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # 5 Things Business Overhead Expense Does That Personal Disability Insurance Doesn’t 1 June 2019 As a solo practitioner or partner in a practice, you’re responsible for paying monthly overhead expenses that keep your business up and running. If something happens and you’re unable to work due to a disabling injury or illness, the personal disability insurance you have won’t be enough to cover your payroll and business operating expenses. ## 1. Preserve the Viability of Your Practice The purpose of TMA Member Business Overhead Expense Insurance, issued by** The Prudential Insurance Company of America**, is to help keep the doors of your practice open if you’re unable to generate your portion of business revenue due to an illness or injury. The plan can help protect your practice for up to 24 months. And after you satisfy your elimination period, you don’t have to be permanently disabled or confined to your home or a hospital to receive benefits. ## 2. Cover Essential Business Operating Costs Operating costs typically run as high as 60% of your practice’s revenue. TMA Member Business Overhead Expense Insurance will reimburse your actual overhead expenses—up to the benefit amount you select. A TMA Insurance Trust advisor can help you calculate the total amount of coverage for your individual needs, based on expenses such as: - Rent and utilities - Staff salaries, benefits and payroll taxes - Office supplies and equipment - Depreciation of equipment - Maintenance services - Loan payments - Property taxes and more [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/a1232ede-af45-4b8f-bee0-19ec9b73de37.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/a1232ede-af45-4b8f-bee0-19ec9b73de37)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## 3. Retain Your Most Loyal Employees Unless you can afford to cover the salaries, benefits and payroll taxes of your employees while you recover, your employees will leave and you’ll have to retrain a new staff at a later date. ## 4. Maintain Your Professional Momentum You’ve spent time, money and energy caring for patients in your community, building a practice that is known and respected. Having a policy in place makes sense, especially when the cost of going out of business or starting over at another time is especially high in today’s healthcare environment. ## 5. Protect Your Personal Finances You can’t expect your personal disability plan to do double duty. It’s designed to cover your family and personal expenses, not pay your business operating expenses. Without having a TMA Member Business Overhead Expense policy in place, you’d most likely have to use personal savings to keep your business afloat while you recover or decide the future of your practice. This could delay or end the plans you have for personal funds. A TMA Insurance Trust advisor can offer an affordable way to help protect your personal finances from such a scenario. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/92a5c9eb-63b7-4df3-8acd-d5b2aba296f9) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Business Overhead Expense Insurance ](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Business of Medicine ](https://www.tmait.org/blog/topic/business-of-medicine) ** [Practice Management](https://www.tmait.org/blog/topic/practice-management) [**Previous Entries](https://www.tmait.org/blog/why-residents-should-think-twice-about-disability-insurance-protection) [Next Entries**](https://www.tmait.org/blog/a-simpler-way-to-obtain-up-to-1-million-of-life-insurance) ## Recommended Posts ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [What the TMA Member Disability Plan Includes That Others Don’t](https://www.tmait.org/blog/what-the-tma-member-disability-plan-includes-that-others-dont) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Don’t Renew Yet! 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Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Hidden Benefits Now Available for Owners and Independent Physicians](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ### [Tips for Accessing Special Group PPO Options You May Not Know About](https://www.tmait.org/blog/tips-for-accessing-special-group-ppo-options-you-may-not-know-about-open-enrollment) ### [Open Enrollment: Special Group PPO Options for Owners & Independents](https://www.tmait.org/blog/open-enrollment-special-group-ppo-options-for-practice-owners-independent-physicians) ### [Group Health Insurance: Little-Known Options for Independents](https://www.tmait.org/blog/group-health-insurance-little-known-options-for-independents-group-benefits) ### [Beat the Rate Hike for Group Health Coverage](https://www.tmait.org/blog/beat-the-rate-hike-for-group-health-coverage-group-benefits) ### [Critical Illness Protection: Your TMA Member Plan Explained](https://www.tmait.org/blog/critical-illness-protection-your-tma-member-plan-explained) ### [Rising Costs Ahead? 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