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Your guide to group disability insurance

A path to clarity and confidence before, during and after a disability

When you’re facing a major life change—whether you’re planning for pregnancy or managing an unexpected health condition—the last thing you need is added uncertainty.

Disability insurance helps protect everything your paycheck normally supports. It’s there to help you keep the essentials in place—like your home, your routine, and the commitments you’ve built—when you’re unable to work due to a covered disability. While the special language and process may seem unfamiliar at first, understanding the basics is a great place to start. Gaining clarity on what to expect can boost your confidence and help you move forward with less stress, so you can focus on what matters most—your health and your overall well‑being.

  • Woman with cancer enjoying nature with her son. She is wearing a pink headscarf.

    Know before you need

    Understanding disability insurance basics helps you protect your income and avoid surprises during difficult times.

  • Shot of happy beautiful couple using computer while sitting on the couch at home.

    Navigate the process

    Demystifying the claims process can ease your journey and avoid benefit payment delays

  • Accounting at Home: Streessed Man Using Laptop Computer, Filling Tax Forms. Businessman Scared of Bankruptcy. Paperwork Problems: Bills, Invoices, Budget Deficit, High Inflacion, Financial Difficulty

    Managing finances

    Helping you confidently navigate tax requirements and ongoing expenses.

  • middle aged african american man sitting on massage table and training with elastics near rehabilitologist

    Proceed with confidence

    You’re not alone—explore resources designed to help navigate your road to recovery.

Toolbox

Managing life during a disability can mean balancing a range of needs and responsibilities. We recognize how overwhelming it all can be, from understanding benefits to managing paperwork and appointments. Our time-saving tools are here to help you move through the process, stay organized and identify resources you may need along the way.

  • Common terms

    Learn key disability insurance terminology to help you feel prepared  to make important decisions.


  • Checklist

    Take the time to gather key documents before initiating your claim with this at-a-glance checklist.


  • Resources

    A list to identify additional resources for support and guidance.


Have a OneAmerica Financial short- or long-term disability protection through your employer and need to file a claim? 

Access our online claims page:

Please note that this site is intended for reference only and does not provide a complete list of all resources or cover every possible situation you may encounter.