Disability Income Insurance

Many people think that a disability is something that happens to “other people.” The reality is, becoming too sick or hurt to work can happen to anyone at any time. Disability income insurance helps protect you and your family from a loss of income should you become disabled as the result of an illness or injury.

Plans That Go to Work When You Can't
We offer a variety of Individual Disability Income Insurance Protection Plans with a selection of benefit and waiting periods, riders and payment plans so you can choose the options that work best for you.

Income is the foundation. Protect it with disability income insurance.

Noncancelable and Guaranteed Renewable Disability Income Insurance
This means the premium is guaranteed for the entire coverage period not to increase, the policy provisions are guaranteed not to change, and the policy itself is guaranteed as long as the premium is paid. A strong base policy is just the beginning. With a choice of several Definitions of Total Disability and a selection of Benefit and Waiting Periods, you can custom design the policy that will work best for you.

Guaranteed Renewable Policy
This policy is an individual disability income insurance policy that pays a monthly benefit for a covered total disability that results from an injury or sickness.

Business Overhead Expense Insurance
This policy is designed to reimburse small business owners (sole proprietors, partners, closely held corporations) for normal and customary expenses necessary to maintain their business in the event of their disability.

Employer-Sponsored Multi-Life Plans
With Employer-Sponsored Multi-Life Plans, individual disability income insurance policies are offered to a group of individuals working in professional and executive occupations with the same employer.

Disability Income insurance (Forms 4501NC, 4502GR, and 4503BOE) is issued by Ameritas Life Insurance Corp. in approved states. In New York, Disability Income insurance (Forms 5501-NC, 5502-GR and 5503-BOE) is issued by Ameritas Life Insurance Corp. of New York.