Disability

Disability Insurance

Omni International Insurance Services provides specialty disability insurance on a domestic and international level. These policies are designed for those that are ineligible for regular disability coverage or have income requirements that exceed the maximum benefits allowable under traditional disability plans. Our relationships with our global partners allow us to offer a wide selection of products to meet those needs.

Our specialties include:

  • High-limit Disability Insurance (HLDI)
  • Expatriate International Disability Insurance
  • Athletes Disability Insurance
  • High-risk Zone Disability Insurance

High Limit Disability Insurance – HLDI

HLDI is designed to make up the short fall high income earners face with traditional group LTD or individual disability plans. As income increases, traditional disability coverage does not always protect a client’s full income. For example, a client earning $600,000 should have 65% of their income ($32,500 per month) covered. Group and individual plans typically only provide up to $15,000 a month in coverage. The client is short $17,500 a month in income.

HLDI plans make up this difference by adding a policy on top of the client’s group LTD and/or individual disability plan. HLDI has many unique features such as: benefits of $200,000 a month or more, ability to cover clients globally and the backing of Lloyd’s of London. Also, HLDI can be written for individuals and groups with occupational coverage.

Expatriate Disability Insurance

U.S. citizens working overseas and foreign nationals outside their home country often find securing quality disability coverage difficult. Some countries either have restrictions on offering coverage to foreign nationals or simply do not have the capacity to offer quality disability coverage. U.S. disability insurance companies have many restrictions on covering expatriates as well as paying disability claims overseas. Omni International Services and our disability partners, offer both group and individual international disability coverage to protect a wide range of occupations including construction, mining, and oil drilling to accountants, attorneys and executives.

Athlete Disability Insurance

The number of earning years that professional athletes is typically very short compared with more traditional occupations. Because of the nature of competitive sports, that career can end instantly due to an injury. Not only can an athlete lose their income due to an injury but also the cost of an agent or manager, unearned income from a contract, loss of income for endorsements and other income directly linked to the athlete’s ability to play competitively.

Athletes that should consider an athlete disability insurance plan include:

  • Professional Athletes
  • Benefits payable for temporary and permanent disabilities.
  • International Athletes
  • Many overseas leagues provide limited or no disability coverage. Protect your future earnings by securing a policy against a career ending disability
  • Collegiate and Student Athletes
  • Student athletes that are showing promise of a professional athletic career need to protect the future earning potential of a professional career

Omni International Insurance and our global partners can provide a wide range of benefits for people working in high-risk areas of the world such as Afghanistan, Iraq, Sudan and other flash points around the world. We are able to broker coverage that includes war and terrorism benefits for large corporations and individuals.

OUR INSURANCE PARTNERS INCLUDE:

Contact Us

General Inquiries

+1 818 720.3080
Email Us

Corporate Office

Los Angeles, CA

12 + 14 =