BOE Insurance can help protect you from having to dip into your Long Term Disability (LTD) Insurance benefits (or savings) to pay business expenses, thereby helping to safeguard your LTD benefits for expenses like medical co-pays, rent/mortgage on your family home, childcare, credit card bills, utilities, etc.

 

Having both BOE and LTD coverage can help provide peace of mind so you can focus on your recovery. And, BOE only has a 30-day waiting period, allowing you to get your benefits sooner.

You are considered disabled if you are unable to perform the material and substantial duties of your occupation due to sickness or injury. You also must be under the regular care of a doctor. If you are working or have the capacity to work 40 hours per week, you may not receive benefits.

How much BOE Insurance do I need? You should consider an amount that will help cover the current fixed monthly expenses needed to run your business. You can use our  Monthly Expense Worksheet  (PDF) to calculate your needs.

If you receive benefits for a disability, recover and become disabled again while you're still covered under the Plan, the second disability may be regarded as a continuation of the first. You won't have to satisfy an additional waiting period. 
 
However, the second disability will be considered new if you were working full-time for at least three consecutive months. The second disability will also be considered new if it is the result of an entirely unrelated cause.

Your coverage ends when you reach age 70, unless you are receiving benefits. Benefits are paid in accordance with the terms of the Certificate. Early termination occurs if:

• You are no longer a member of the AICPA
• The master policy terminates
• You withdraw from the Plan voluntarily
• You fail to make timely payments of the required contributions
• You have received benefits to the maximum period of payment
• You begin active duty in the armed forces
• You may also request to move to a lower monthly coverage amount if your coverage is above $1,000.

Please see the Exclusions and Provisions.

Please see the Group Life and Disability Income Medical Underwriting NOTICE.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that have not yet been approved in all states.

The products issued by The Prudential Insurance Company of America may not be available in all states.

 

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

 

This policy provides disability income insurance only.  It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

 

Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc., a licensed producer in all states (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500. CA COA #1179, NAIC #68241.

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