Safeguard your income

Safeguard your future with income protection


You work hard for your paycheck. It doesn't just cover the costs of daily living - it's an important tool for building the future you want for you and your family. 

But what happens if a sickness or injury prevented you from working? Your ability to earn an income is your most important asset, and that’s where disability income (DI) insurance comes in.

What is disability income insurance?

Think of DI as insurance for your paycheck. When an extended sickness or injury keeps you from earning an income, a DI policy can help cover a portion of what you earned until you’re able to return to work.

Though your employer may offer a limited amount of group long-term disability insurance, many find it’s not enough to cover important expenses or keep their financial strategy on track.

DI insurance can help you:

Maintain your lifestyle

DI can help fill the gap so you can help pay your mortgage, utilities, groceries, gas, and life’s other expenses.

Protect savings and avoid debt

Health insurance may cover the bulk of the costs, but DI can help you avoid depleting savings or increasing credit card debt when paying deductibles, copays and other expenses that add to budget strain. 

Keep goals on track

With the right coverage in place, you can continue to save for important goals – like planning for retirement, or helping children go to college.

A bit of guidance can help

DI policies from Ohio National can often be customized to match your unique needs.

Build the right income protection strategy by working with your financial professional to determine:

  • The type of work you do
  • The types of income you earn (base salary, bonuses, commissions, etc.)
  • Coverage you may have through your employer or other sources
  • How your needs, career or income might change in the future

Want to learn more about disability income insurance?

Understanding DI How much do I need? CALCULATOR