08/27/2026
Six months off. Your income stops in week one.
The practice keeps spending.
Rent. The lease on the chairs and the imaging. Wages for staff who will find other jobs if the pay stops. Utilities, software, supplies, the loan on the build-out.
All of it carries on arriving with your name at the bottom.
Personal disability coverage was built to replace your income so the household keeps running. It was never built to keep the doors open. And a practice that sits dark for six months is usually worth a good deal less when you walk back into it, if the staff are still there at all.
There is a separate product for the doors. Business overhead expense coverage reimburses eligible fixed operating costs while you are disabled, normally for a period measured in months rather than years. Different thing, different job.
It gets missed for an ordinary reason. Whoever sold you the personal coverage was picturing your family around a kitchen table. That was the right thing for them to be picturing.
Nobody in that room was looking at what the practice costs to keep open.
So here is the five-minute version. Add up one month of the practice running without you in it. Rent, leases, wages, the loan payment.
Now read what your disability coverage was actually designed to pay for.
Which of those two lists does it cover?
