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Disability Income Insurance

Plan for the unexpected. 

Homes and cars are insured with no hesitations, but what about your ability to earn an income? If an injury or illness arises unexpectedly and you're not able to work anymore, your ability to earn an income will be protected with disability income insurance (DI). 

For individuals

If you are the breadwinner in your family, you should consider disability income insurance. It helps protect your family financially, along with your income and savings. 

For business owners

You don't want to have to use your personal disability income insurance to help your company stay afloat. At The Fitzpatrick Group, we can help prepare a plan for you and your business that will cover expenses and allow it to continue running if something unexpected happens to one of the owners. 

Ohio National 2019 Ratings

*Ohio National consistently receives high marks for financial security and claims-paying ability from major independent analysts. 

A+ Superior A.M. Best 

For strong operating performance, favorable business profile and appropriate enterprise risk management (ERM)
Second-highest on a 16-part scale

A3 Moody's
Reflects a large block of whole life business, an aligned variable cost distribution and a consistent record of prudent underwriting that has contributed to a productive and growing life insurance business
Seventh-highest on a 21-point scale

A Standard & Poor's
Reflects very strong capital and earnings
Sixth-highest on a 21-part scale

Ohio National has received high marks for financial strength and claims paying ability from major rating agencies; however, such ratings do not refer to the performance of our variable accounts nor imply approval of our variable contracts or their portfolios. All ratings information is according to reports published on: and Ratings are accurate as of 5/3/19. For the most current ratings, see Dividend scales are subject to change at the discretion of the Board of Directors.

How can disability insurance protect my family? 

Contact us
<p>Disability and Your Finances</p>

Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Learn More
<p>Disability Income</p>

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Learn More

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<p>Can Group, Private Disability Policies Work Together?</p>

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.
<p>Insuring Your Business With a Buy/Sell Agreement</p>

Insuring Your Business With a Buy/Sell Agreement

It may help your business be better prepared in the event of the death of a principal or key employee.

Note: Ohio National does not offer disability insurance in CA or NY.

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