Office Overhead Expense (OOE) Insurance

Keep the lights on while you're off

Running your own business is a great opportunity. It's also a big responsibility. If you're off sick for a period of time, who's going to pay the bills?

With CDHA Office Overhead Expense (OOE) Insurance for dental hygienists, you can rest easy knowing your office expenses are being paid, in case of an illness, while you recover.

Office Overhead Expense Insurance...

  • Is payable if you are temporarily totally disabled or seriously ill
  • Covers the normal costs of running a business that's outside your home
  • Pays staff salaries so they can keep working
  • Is especially important if you're the only person who is responsible for the business expenses

Why choose CDHA OOE Insurance?

  • Choice of coverage levels
  • CDHA offers group rates

You're eligible if you are:

  • A CDHA member in good standing;
  • Under age 60;
  • Living in Canada;
  • Working a minimum of 18 hours a week when you apply; and

Find out more

Full descriptions and any exclusions are in your plan brochure, but here's a list of expenses covered:

  • Rent or mortgage interest
  • Heat, water and electricity
  • Interest on business loans made for office equipment or automobile
  • Telephone
  • Salaries of employees
  • Accounting services
  • Property taxes on business premises/business taxes
  • Lease of equipment (including business use of automobile)
  • Depreciation or scheduled principal payments on office equipment and business use of automobiles, and
  • Professional association membership dues

How much coverage can you apply for?

Your maximum coverage depends on the elimination period you choose and on your monthly expenses. The elimination period is the amount of time you must be totally disabled before OOE Insurance benefits become payable. You can choose a 14-day or 30-day elimination period. The elimination period can be satisfied with intermittent periods of disability from the same or related cause within six months of returning to work following a period of disability.

You can apply for a monthly benefit payment of $500 to:

  • $10,000 maximum following the 30-day elimination period, in units of $100.
  • $5,000 maximum following the 14-day elimination period, in units of $100.

Get a quick online quote

To help you determine your monthly premium, use our easy-to-use free online quote tool.


Take these three steps to apply: