Office Overhead Expense Insurance is intended to provide a monthly benefit to help you meet the ordinary and fixed office expenses that continue in your absence in the event you become totally disabled as the result of a covered sickness or accident. Maintaining these expenses in your absence is vitally important and this benefit may prevent you from having to decrease staff, resort to savings or investments, or rely on disability benefits to pay the overhead expenses. The normal and regular business expenses are covered under the plan.

• Coverage is available to all members of the State Bar of Texas who are less than age 70.
• The plan will pay 100% of your actual covered expenses up to the plan benefit maximum of $10,000 per month.
• The plan also includes a Survivor Benefit which provides a one sum payment to your spouse, if living, and otherwise to your children. The benefit is equal to the lesser of (a) 3 times your Maximum Monthly Benefit at the time of your death; or (b) 50% of your Maximum Monthly Benefit times the number of months remaining in the unexpired portion of the Maximum Benefit Duration at the time of your death.
• Additional information available in the Prudential brochure.