Disability Insurance - Business- Join Ohio National - joinohionational.com

Backstop for owners and benefits for employees

Helping your business owner clients maintain continuity as well as attract and retain talented workers.

About our DI for business

Ohio National's disability income insurance (DI) can serve as a backstop for businesses and a benefit for their employees – with one of the industry’s most flexible DI products. 

Our business products help owners keep the lights on when disability threatens to disrupt the way they do business. Plus, our customizable multi-life programs can help business owners attract – and yes, keep –  the talented employees businesses rely on.

Our unbundled products give you a wide range of options when designing coverage solutions for the unique needs, circumstances and budget of each client.


DI for business owners and employees alike

Product details

  • Disability shouldn't mean double jeopardy

    For clients who are self-employed or owners of small businesses, the threat of disability may present them with financial problems on two fronts. How would they help replace their income for both personal and business expenses?

    Business Overhead Expense (BOE) coverage is designed to help reimburse owners of small businesses (e.g., sole proprietorship, partnerships, closely held corporations) – not operated from the home – for normal and customary expenses necessary to maintain the business upon disability of an owner(s).

  • Multiple reasons to love our Multi-Life GSI

    Multi-Life Guaranteed Standard Issue (GSI) is not a product. It’s an easy underwriting process designed to provide quality DI insurance to a clearly defined group of eligible employees. For qualifying employer groups, this means:

    • There’s no financial documentation required and only a few qualifying questions to answer. No labs, medical exams or detailed medical questions.
    • Covered employees own their policies and can keep them – along with the permanent premium discount – even if they change employers.
    • Employers with 25 to 1,000 employees are among the most likely candidates for Multi-Life GSI programs. Discounted premiums are also available to fully-underwritten groups of as few as five employees.

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. 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.


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