Disability Insurance

If you become sick or are injured and can't work, will you be able to maintain your lifestyle?

How about a sickness or injury that is long-term and you can no longer work, how will you pay your bills?

When you can\'t work due to an injury or illness, disability insurance goes to work for you. This insurance protects you and your family against financial hardships that could accompany a disability. If unable to work, disability insurance helps cover your monthly living expenses. Your family can maintain a roof over their heads, food on the table, and their weekly routine without going into debt. Disability Insurance is a way to insure your ability to earn a living.

Who needs it?

You should consider Disability Insurance if you depend on your monthly income to pay bills and maintain your standard of living. Or, if your an employer that would like to add value to your benefits package by providing this Insurance protection for your employees.

What is it?

Disability Insurance will pay you a monthly benefit for loss of income because of an injury or illness. Your monthly benefit is a percentage of your earned income. This insurance adds a layer of protection to your overall financial security.

How do I learn more?

Plans differ so choosing the right one for you can be overwhelming. OMS licensed professionals can help you determine the right carrier, policy, and terms for your unique situation. Know all the facts before you select a disability insurance, not all insurance is the same. Try the Disability Insurance Calculator on this page to explore your needs.

OMS provides:

  • Individual Disability Insurance
  • Employer-Provided Disability Insurance

Questions about disability insurance? Call and speak to one of our business consultants.

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