Non-Cancellable DI
This policy is designed to provide disability benefits to individuals working in professional, executive, white-collar and gray-collar technical occupations.
- Non-Cancellable and Guaranteed Renewable to Expiration Date.
- Classes include: 5M, 4M, 3M, 5A, 4A, 3A, 2A.
- We cannot cancel this policy as long as premiums are paid.
Premium Options
- Level Premium: 18-60 (nearest age)
- Step Rate: 22-40 (nearest age)
Elimination Periods
- 60, 90, 180, 365 days
Benefit Periods
- Two years and five years (not available with Step-Rate option), to age 65, to age 67, to age 70
Minimum Benefit
- $500 per month (including Social Insurance Supplement Rider)
AMA Medical Specialities
Ohio National's Pure Own Occupation definitions include all American Medical Association specialities. Download the AMA Medical Specialities PDF under Sales & Marketing Files at the right.
Optional Riders
For details of each rider, click on the Marketing Guide attached on the right under Sales & Marketing
- Residual (included for 5M and 4M, optional rider for all other classes)
- Catastrophic Disability Benefit (CAT)
- Cost of Living Increase (COL)
- Guarantee of Physical Insurability (GPI)
- Social Insurance Supplement (SIS)
Guaranteed-Renewable
Individual Guaranteed Renewable DI
Classes A and B ONLY
This policy is designed to provide disability income payments to individuals working in occupations such as a skilled technician, on-site supervisor, manual laborer and certain unskilled trades.
- Can't be canceled as long as premiums are paid.
- Premiums subject to change by class.
- Guaranteed renewable to age 65 or earlier retirement.
Issue Ages
- 18-60 (nearest age)
Waiting Periods
- 30, 60, 90, 180 and 365 days
Minimum Benefit
- $500 per month (including the Social Insurance Supplement Rider)
Maximum Benefit
- A - $5,000 per month (including Social Insurance Supplement Rider)
- B - $4,000 per month (including Social Insurance Supplement Rider)
Optional Riders
- Social Insurance Supplement Rider (not available with 1 year benefit period)
- Waiver of Waiting Period While Hospital Confined