Disability Income Insurance

HomeDisability Income Insurance

Is your paycheck protected? If something were to happen, how long could you survive on your savings? Unfortunately, the answer to that question is more often than not, 2 weeks or 30 days. Long Term Disability Insurance replaces a portion of your income during an extended period of a disabling illness or accident.

If you already have insurance with your work, do you know the specifics of it? Are you planning on working there the rest of your life? You can bring your current work policy in and we’ll explain it to you so you can better understand what you already have.

Disability Income Insurance is important and it may not be as expensive as you think.

Disability insurance 101

Coverage for individuals
Products offered by Ohio National’s individual policies are available for people in nearly all occupations. Whether you’re a doctor, cabinetmaker, executive, teacher or technician, your Ohio National representative can design a disability income insurance policy to meet your needs and budget.

Coverage for small-business owners
Ohio National offers two types of disability income insurance policies to protect small-business owners and their companies.

  • Business Overhead Expense (BOE) reimburses business owners for the expenses necessary to keep their company running upon the disability of any of the owners.
  • Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner’s disability.

Disability income insurance policies are issued by Ohio National Life Assurance Corporation. Product, product features and rider availability vary by state. Guarantees are based upon the claims-paying ability of the issuer. Disability income insurance is not available in CA. Issuers not licensed to conduct business in NY.

Call us today to talk to a financial professional about your needs and see what we can do to help you.

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We care about your families financial well being and your ability to pay for your expenses in case you are not able to work.  Send us message and one of our friendly advisors will help you.