Ohio National Disability Insurance: Can You Still Buy It?
Ohio National is now AuguStar, and it no longer lists disability insurance among its products. What that means if you’re shopping, and what to do if you already own a policy.
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In this guide
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Key takeaways
- •Ohio National’s life insurance business is now AuguStar, part of Constellation Insurance.
- •AuguStar’s product pages list only life insurance and annuities. Disability insurance appears only for claims and payments.
- •Existing policies stay in force on their own terms; claims now go through AuguStar.
- •Don’t cancel an old policy until a replacement is issued and you have compared the contracts.
Ohio National was one of the carriers physicians used to see on disability quotes. If you searched for it, you are probably either shopping or holding an old policy. This page covers both, based on what AuguStar and its parent company publish, read September 23, 2026.
An earlier version of this page described a pattern of claim denials and legacy product features that we couldn’t source, and said its facts came from citations that weren’t on the page. We removed those parts.
Can you still buy it?
Not that we can find. AuguStar’s products page lists indexed universal life, indexed whole life, universal life, whole life, and term life, plus annuities. Disability insurance isn’t among them. It shows up in only two places: a disability claim page for starting a claim, and the payments page, which lists disability income insurance with the note that some limitations apply for policies beginning with the prefix “A.” AuguStar doesn’t publish a date or statement about ending new disability sales.
What happened to Ohio National
Ohio National Financial Services demutualized in 2022, when a sponsored demutualization closed and it became part of Constellation Insurance (Constellation). In July 2023, Constellation announced that Ohio National’s life insurance companies would change their names to AuguStar Life Insurance Company and AuguStar Life Assurance Corporation (announcement). Constellation is owned by La Caisse and Ontario Teachers’ Pension Plan Board. AuguStar’s financial strength page lists an AM Best rating of A with a stable outlook for AuguStar Life Insurance Company, as of July 15, 2026.
If you own an Ohio National policy
- 1.Keep paying the premium. A disability policy stays in force on its own terms while premiums are paid, whoever administers it now.
- 2.Find the contract. Read the definition of total disability, the residual benefit, any mental and nervous limit, and whether the policy is non-cancelable or only guaranteed renewable. Our own-occupation guide explains what to look for.
- 3.Check your future increase options. If your policy has one, it may be the easiest way to add coverage without new medical underwriting. Ask AuguStar whether the option is still exercisable.
- 4.If you need to claim, start with AuguStar’s disability claim page, keep copies of every form and record, and consider a disability insurance attorney if a claim is delayed or denied.
- 5.Don’t replace it hastily. A new policy is underwritten at your current age and health. Get the new policy issued and compare the contracts before you cancel anything.
If you’re shopping
These five carriers sell physician disability insurance and publish at least some of their terms:
| Carrier | Own occupation | Residual trigger | Mental health limit | AM Best |
|---|---|---|---|---|
| Ameritas | Own occ for the full benefit period available | 15% income loss (Enhanced Plus rider) | Choice: 2 years or full benefit period | A (Excellent) |
| Guardian | Built for MD/DO: source-of-earnings test, then specialty duties | 15% income loss (rider) | Not published | A++ (Superior) |
| MassMutual | Rider needed to work elsewhere | 15% income loss (rider) | 24 months; removable for a fee | A++ (Superior) |
| Principal | Two own-occ options; wording not published | Enhanced; trigger not published | Rider with discount; terms not published | A+ (Superior) |
| The Standard | Rider needed to work elsewhere | 20% income loss (rider) | 24 months; mandatory for some classes | A (Excellent) |
- Own occupation
- Own occ for the full benefit period available
- Residual trigger
- 15% income loss (Enhanced Plus rider)
- Mental health limit
- Choice: 2 years or full benefit period
- AM Best
- A (Excellent)
- Own occupation
- Built for MD/DO: source-of-earnings test, then specialty duties
- Residual trigger
- 15% income loss (rider)
- Mental health limit
- Not published
- AM Best
- A++ (Superior)
- Own occupation
- Rider needed to work elsewhere
- Residual trigger
- 15% income loss (rider)
- Mental health limit
- 24 months; removable for a fee
- AM Best
- A++ (Superior)
- Own occupation
- Two own-occ options; wording not published
- Residual trigger
- Enhanced; trigger not published
- Mental health limit
- Rider with discount; terms not published
- AM Best
- A+ (Superior)
- Own occupation
- Rider needed to work elsewhere
- Residual trigger
- 20% income loss (rider)
- Mental health limit
- 24 months; mandatory for some classes
- AM Best
- A (Excellent)
Each carrier’s own published terms, read September 23, 2026. Full comparison: disability insurance for physicians.
Frequently asked questions
Can I still buy Ohio National disability insurance?
What happened to Ohio National?
Is my Ohio National disability policy still valid?
How do I file a claim on an Ohio National disability policy?
What is AuguStar’s financial strength rating?
Should I replace my Ohio National policy?
Sources
- •AuguStar: life insurance products
- •AuguStar: disability claim
- •AuguStar: making payments
- •AuguStar: financial strength
- •Constellation: Ohio National’s life business rebranded AuguStar (July 17, 2023)
- •Constellation: our story
Read September 23, 2026.
Publisher’s note: This page is for educational purposes and is not insurance or legal advice. Your policy’s terms govern your coverage. See our advertising disclosure.
About the Author
Joshua Dunigan, DO | Family Medicine Resident & Founder
I'm a family medicine resident physician in Des Moines, Iowa (class of 2027). I founded MedMoneyGuide to give physicians specialty-specific financial guidance, with sources you can check.