Office Overhead

Staying in business is the key to your earning power.

The monthly expenses associated with running an office continue to pour in as you struggle to get well. How will you continue to pay the office rent, taxes, utilities, and salaries needed to keep the doors open?

Office Overhead insurance can make the difference between staying in business and having to shut your doors. It’s easy to apply and is also available at affordable group rates.

Trust Office Overhead insurance is the inexpensive solution for thousands of independent practitioners. The plan provides reimbursement for mortgage interest payments, employees’ salaries, professional association dues, office utilities, janitorial services, telephone answering services, business liability and casualty insurance premiums (including professional liability), and other regularly occurring business expenses.

1. Log in to my LincolnFinancial.com. First time user? Register online using the portal code AITRUST
2. Click Complete Evidence of Insurability.
3. Answer questions about you and other applicants. You’ll be asked:
   • General applicant information, such as date of birth, height, and weight
   • Qualifying questions, including if you or other applicants have been diagnosed with a disease or are prescribed medications for a condition
   • Medical questions: We may need to know a little more information, such as the diagnosis, first onset, and related treatments, if you or other applicants have a medical condition
4. Review your responses, then electronically sign and submit your application.
5. Save your confirmation report.

In some cases, you may be auto-approved for coverage. Otherwise, Lincoln Financial will review your application and contact you if more information is required. In all cases, they’ll notify you of your application outcome.