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If you suffer a disabling injury or illness, Long Term Disability Insurance can help protect your income. But that’s only part of the picture, since you will still have to contend with the ongoing expenses of your practice.

That's where Office Overhead Expense Insurance helps out. The plan helps pay for certain office expenses you incur (for up to 12 or 24 months, depending on your coverage choice when applying) if illness or injury prevents you from working. Underwritten by The Manufacturers Life Insurance Company (Manulife), the Office Overhead Expense Insurance plan provides up to $40,000 (depending on your age at application) in monthly benefits, offers attractive premiums including low HealthEdge rates, and includes special features such as maternity leave benefits. Future Insurance Guarantee and Own Occupation Options are also available.

Download Office Overhead Expense Insurance Plan Sheet
Download Office Overhead Expense Insurance Application

Note: To view these documents, you will need to have Adobe Acrobat Reader installed on your computer.

When Applying for Coverage

If you would like assistance in completing the Office Overhead Expense Insurance application, contact an insurance planning advisor at CDSPI Advisory Services Inc.