Disability Insurance

ODA Member Benefit

ODA members are eligible for a 10% discount1  on Disability Income insurance from Principal®.

Already have income protection? Consider protecting your ability to save for retirement with DI Retirement Security – also at a 10% Association discount.

Protect what matters most – your family.

If an illness or injury unexpectedly prevents you from working, protecting your income may become a priority. We can help you better understand the basics of income protection, and make sure you’re covered with Disability Income insurance from Principal®.

What is Disability Income insurance?

DI insurance provides you monthly payments when you can’t work due to a disabling illness or injury. It’s insurance for your income, similar to how auto insurance covers your car and homeowner’s insurance covers your house.

How does DI insurance work?

Just like with your home, auto, and health insurance, you pay a monthly cost for income protection. If you get seriously ill or hurt and can’t work, Disability Income insurance acts as your financial back-up plan. It lets you focus on taking care of yourself, instead of worrying about how you’ll pay the bills.

In addition to covering your everyday living expenses, it also protects your overall financial health by helping you avoid dipping into your savings or retirement assets.

Do I really need DI insurance?

Yes, if protecting your financial security is important. Your income is a necessity, and being without it could have serious consequences. Still not sure? Get the facts on common misconceptions:

“I’m healthy and active—I don’t need it.”

Of course, none of us want to envision getting so sick or hurt that we can’t work. But it happens. The risk is real. Unexpected illnesses like cancer, heart conditions, and stroke are common causes of disabilities. And they often come with expensive medical bills, which makes maintaining an income even more vital.

“I can’t afford disability insurance.”

Most policies offer coverage that’s flexible and customizable to your specific needs and budget, with the ability to modify as your needs change in the future. In many cases, the cost of your coverage may be as little as a daily cup of premium coffee or a date night out. When you think of it that way, fitting it into your monthly budget feels more doable.

Contact your ODASC representative by calling (800) 282-1526 or emailing

Additional Details

Disability Insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392. Disability insurance has limitations and exclusions.

110% Association discount is based on sex-distinct rates. The Association discount is not available in all states. Additional guidelines apply.


We can answer any questions you may have about your health benefits. Contact us today, we’re here to help!

  • This field is for validation purposes and should be left unchanged.