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 Disability Income Insurance

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It’s easy to think, “Disability won’t happen to me.” You may consider yourself young, healthy and at the top of your game.

While no one chooses disability, the facts speak to disability affecting even the most unlikely candidates. Consider these statistics:

  • More than one in four of today’s 20-year-olds will become disabled before they reach age 67. (Source: U.S. Social Security Administration, 2015)

  • Illnesses – not accidents – are the cause of 90 percent of disabilities. (Source: Council for Disability Awareness, 2014)

  • An estimated 57 percent of American workers said they only have enough money to cover their bills for six months or less. (Source: Council for Disability Awareness, 2014 Disability Awareness Study)

  • Just 26 percent of American consumers report having disability insurance, leaving the other 74 percent without it. (Source: Life Happens and LIMRA, 2015 Insurance Barometer Study)

  • Seven seconds – the amount of time that passes between incidents of working-age Americans suffering a disabling injury or illness that will last for at least one month. (Source: Council for Disability Awareness, 2013)

  • One in eight workers will be disabled for five years or more during their working careers. (Source: Council for Disability Awareness, 2013)

  • The average disability payment from the government is less than $1,200. (Source: U.S. Social Security Administration, October 2014)

One day it’s there, the next day it’s not.
We often take our income for granted, even in the most secure of jobs. However, no one’s income is guaranteed. If you suffered a serious illness or injury that prevented you from working, your employment income would stop. How would you live without a paycheck for weeks, months, or even years?

Life doesn’t stop at disability. Your basic needs continue – food, clothing, shelter – even after your ability to meet them is cut off. A long-term disability can be financially devastating when no money is coming in and expenses for medical care are rising. Your ability to earn an income is a valuable asset that can, and should, be well-protected.

Is anything protecting your income?
Your income can be substantial over your working lifetime. But to earn it, you must be able to work.

You can’t predict whether or when disability will strike. However, you can prepare in case it does, with a customized disability income insurance plan. This protection can replace a portion of your income to help you maintain your current lifestyle if you suffer a disability covered by the policy.

Next Steps
Protect yourself and your lifestyle with disability income insurance from Ohio National. A financial professional can help you develop a customized disability income insurance plan designed for you.

The statistics cited are provided in order to show general information about disabling conditions and the odds of becoming disabled. Disability income insurance policies contain terms under which benefits are paid as well as exclusions, limitations and reduction of benefits, which may result in a disability not being covered or covered only at a reduced benefit level or time period. The statistics cited for claims payments are not in any way derived from Ohio National disability income insurance products.

Disability income insurance policies contain exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For complete details of coverage, contact your licensed insurance agent.

Sources for odds listed in header graphics:
1 President: Herndon, Neil. “The odds are against you.” Forbes. n.p. Web. 1 Jan. 2016.
2 Baseball: Howard, Cory. “14 things more likely to happen than winning Powerball.” n.p. Web. 6 Jan. 2016.
3 Lottery: Wallace, Gregory. “Odds of winning the Powerball jackpot.” CNN Money. n.p. Web. 9 Feb. 2015.
4 Hole in One: Wallace, Gregory. “Odds of winning the Powerball jackpot.” CNN Money. n.p. Web. 9 Feb. 2015.
5 Billionaire: Lewis, Phillip. "7 Things More Likely to Happen Than You winning the Powerball." New Mic, n.p. 11 Jan. 2016
6 Movie Star: Bruce, Kalen. "24 More Likely to Happen Than Winning the Lottery." n.p. 24 July, 2014.
7 YouTube: BuzzFeed Video. “The Chances Of You Being Famous.” YouTube. 10 Feb. 2014.


Disability income insurance is issued by Ohio National Life Assurance Corporation. Product, product features and rider availability vary by state. Issuers not licensed to conduct business and products not distributed in NY. Disability income insurance is not available in CA.

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Product Issuers: The Ohio National Life Insurance Company
and Ohio National Life Assurance Corporation
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