Did you know?

• One out of seven individuals will be disabled for five years or more before retirement*
• Between ages 35 and 65, seven out of ten people will become disabled for three months or longer**

What happens to the ongoing overhead expenses (payroll, hiring a Locum Tenens physician, lease, utilities, etc.) when a physician is unable to work for an extended period of time? Business Overhead Expense Replacement is a specialized disability policy that pays ongoing overhead expenses when a physician is out on disability. When placing coverage, SPG works with carriers that have specialized physician practice contracts.

*Commissioners Disability Table, 1998 ** Senate Finance Committee, 1998