This plan was created for chiropractors to pay monthly benefits for practice expenses if you're disabled and can't work.

Who is Eligible

As long as you are a member of the National Business Association for Chiropractors (NBAC), a citizen or legal resident of the U.S., age 65 or under, and Actively at Work at least 30 hours per week, you may apply for this valuable plan.

Policy Highlights include:

Up to $5,000 in Monthly Benefits

Your Business Overhead Expense Plan will pay you monthly benefits to help cover your practice expenses. Monthly benefits up to $5,000 are available for a covered disability – you choose the amount you need.

Your Choice of 2 Elimination Periods

There are two elimination periods available – after 60 or 90 days of disability. You decide when you want to receive benefits for practice expenses.

Low Group Rates

You can take advantage of low premiums, since the Business Overhead Expense Plan is a group plan. The negotiating power of NBAC can save you money! Click here to view the quarterly rates.

Effective Date

Your coverage will become effective the first of the month after your application has been approved and your first premium received.

If you are not Actively at Work on the date your coverage is to be effective, your coverage will begin the first of the month after you have been Actively at Work for one month.

Renewability

Your Business Overhead Expense Plan will continue as long as: 1) the Master Policy is active; 2) NBAC continues to sponsor the plan; 3) you continue your NBAC membership; 4) you are Actively at Work except due to disability covered by the policy or temporary layoff, leave of absence, Family or Medical Leave and; 5) you continue to pay your premiums.

30-Day No-Risk Guarantee

The Hartford wants you to be absolutely satisfied with the Business Overhead Expense Plan. You have 30 full days from your effective date to review your Certificate of Insurance to make sure it meets your needs. If it doesn’t, simply return your Certificate for a full premium refund, guaranteed.

Exclusions and Limitations

Benefits will not be paid for any part of a period of Total Disability that is 1) during the Elimination Period; or 2) exceeds the Maximum Payment Period.

Business Overhead Expenses do not include:

1. salary, fees, drawing account or any other remuneration for You;
2. the cost or repair of office equipment; or
3. office supplies.

If the office is jointly occupied, Monthly Business Overhead Expenses will mean the Insured Person’s portion of such expenses.

Your Business Overhead Expense Plan does not cover any Disability or loss caused by: intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane; or war or act of war, whether declared or not; or any injury sustained while riding on, boarding or alighting from, any aircraft; as a pilot, crew member or student pilot; operated by any military authority (land, sea or air) unless it is a Military Transport Aircraft used for transport and operated by the United States Military Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or being used for tests, experimental purposes, stunt flying, racing or endurance tests, or your commission or attempted commission of a felony; or Sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

MIB NOTICE
Notice of Insurance Information Practices

Your application is our major source of information. However, The Hartford may also collect or verify information by contacting individuals or organizations that have information or records about you or others to be insured.

Information regarding your insurability will be treated as confidential. Such information will not be disclosed to others without your authorization, except to the extent necessary for the conduct of our business. The Hartford or its reinsurer(s) may, however, make a brief report thereon to the Medical Information Bureau, a non-profit membership organization of life insurance companies, which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, the Bureau, upon request, will supply such company with the information in its file.

Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file within 15 days. Medical information will be disclosed only to your attending physician. (If you question the accuracy of information in the Bureau’s file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau’s information office is MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112, telephone number 1-866-692-6901 (TTY 866-346-3642 for hearing impaired).

The Hartford or its reinsurer(s) may also release information in your file to other insurance companies to which you may apply for life or health insurance, or to which a claim for benefits may be submitted.

Upon written request, The Hartford will provide you with information in your file. Medical information will be disclosed only through a physician you designate. Details regarding your right to correct or amend information in your file will be furnished upon written request.

If you would like further details, contact The Hartford, P.O. Box 2999, Hartford, CT 06104-2999, Attn: Group Benefits Department.

STATE NOTICE

Any person who includes any false or misleading information on an application or filing a claim for an insurance policy is subject to criminal and civil penalties. It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. In certain states, penalties may include imprisonment, fines, denial of insurance, and civil damages.

Any insurance company or agent of an insurance company who knowingly provides false, incomplete or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the State Insurance Regulatory Agency and/or Division of Insurance. If while in the state of Florida, a person knowingly and with intent to injure, defraud, or deceive any insurer, files a statement of claim or an application containing any false, incomplete or misleading information, the person is guilty of a felony in the third degree. Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false, misleading or deceptive information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and shall be subject to substantial civil and/or criminal penalty where and to the extent allowed by state law.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s) or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at no expense to you.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy AGP-5674 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reductions of benefits and terms under which policies may be continued in force or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.