DI for individuals

Individual disability income (DI) insurance 

If you’re like most people, your income makes everything else possible. Without it, you likely could not pay for your house, vehicles or your children’s education. And it has the potential to be substantial over your working lifetime. But to earn it, you must be able to work.

Simply put: DI insurance helps safeguard your paycheck when you can't work to earn it.

What is disability income insurance?

Disability income (DI) insurance helps provide you with replacement income in the event you are unable to work due to an illness or injury that’s covered by your policy.

 

One size doesn’t fit all when it comes to DI insurance. That’s why our non-cancellable product was designed with customization in mind – to fit your unique circumstances.
Product features such as the benefit period (which determines how long benefits are paid out) and the elimination period (which is similar to a deductible) can be dialed up or down to meet your needs.
Riders can help boost coverage beyond one of the industry’s most robust DI offerings, often with just a marginal increase to the premium. Consider how some of our riders might add value to your coverage:
Annual Renewable Disability Income
You can purchase your monthly benefit amount with a lower initial premium that increases annually through age 55. You have the option to convert the benefit to level premium, up to age 50.
Guarantee of Physical Insurability Income
Allows you to increase your coverage annually, up to age 60, with only financial proof of insurability.
Lump Sum Payment at Retirement
To help offset the negative impacts a disability may have had on your ability to save for retirement, this rider pays out a lump sum payment at age 65 equal to 25% of your policy's eligible benefit payments you received while disabled.
Own Occupation
This rider replaces the definition of total disability in the base policy. When you purchase this rider, benefits are payable when disability prevents you from working in your own occupation, even if you are working elsewhere.
Student Loan Reimbursement
Provides an extra monthly benefit to help pay down your student loan obligation if you are totally disabled.
From doctors to dock masters, our individual DI product provides customizable coverage for physicians, small business owners and other individuals serving in professional, executive, white-collar and gray-collar technical occupations.
We also offer solid income protection to blue-collar workers at a competitive price with our Guaranteed Renewable DI product.
Premium increases may only occur for all policyholders in a specific state and occupational class. Meanwhile, restrictive conditions for raising premiums help the product remain a great value at affordable rates.

Individual DI can help you:

Protect your paycheck

By helping safeguard your income, DI coverage may help you enjoy peace of mind. We cover hundreds of occupations, from doctor to dock master.

Customize coverage

Our individual product can be tailored to meet your needs – and budget. Riders boost coverage beyond the base policy and often the cost is minimal.

Resources

How much do I need? CALCULATOR

Evaluating your disability coverage from work

Help employees protect their incomes

Five tips to keep an injury or illness from stopping you

Know your odds of becoming disabled

Disability income insurance policies 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.

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 financial professional or the company.

ARDI is an optional benefit rider that allows the client to purchase a portion of his/her base monthly benefit at a lower initial cost. The premium for this rider starts out low, then increases annually while the rider is in force. The client may convert the ARDI rider to base coverage after the rider has been in place for three years, or the insured turns 28, whichever occurs later. Premium for conversion is based on the client's gender and age two years prior to the conversion date, meaning the client's premium rate is calculated as if the client is two years younger than his/her actual age at the time of conversion.

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