Life and disability coverage built for Ohio’s small businesses.
The Ohio Small Business Council has partnered with OneAmerica to give members access to Life, AD&D, and Disability coverage with large-group strength — available to groups from 2 to 99 employees. Your OCIA team helps you request a quote, compare your options, and put coverage in place.
In partnership with 
The Ohio Small Business Council Life & Disability Benefits Program offers employer-paid or voluntary plans built for Council members, with coverage effective the 1st of any month.
The coverage you can offer
Each line can be employer-paid, voluntary (employee-paid), or a combination — you choose the products and plan designs that fit your team and budget.
Life & AD&D
A lump-sum benefit that helps protect an employee’s family. Basic employer-paid benefit of $10,000, $20,000, or $50,000, plus voluntary coverage up to $300,000 ($50,000 guaranteed issue). AD&D matches the Life amount.
Short-Term Disability
Replaces a portion of income during a temporary illness, injury, or the birth of a child — 60% of income to $1,500 per week. Employer- or employee-paid.
Long-Term Disability
Protects a paycheck through a serious illness or injury that keeps an employee out for the long haul — 60% of income to $6,000 per month, with a 90- or 180-day elimination period.
Plan designs for each line are in the Product Brochure. Coverage is subject to eligibility and underwriting.
Included with every plan
- 3-year rate guarantee
- Dedicated account manager
- Employee Assistance Program (EAP) with three in-person visits*
- Quotes in 24 hours or less
- Express implementation in as few as 10 days
- List or summary bill
*EAP included with two or more coverage lines, at least one employer-paid.
Eligibility at a glance
- Ohio Small Business Council members with 2 to 99 employees
- In business 2+ consecutive years
- Full-time employees averaging 30+ hours per week
- 1099s and independent contractors are not eligible
- Family content limits apply (50% for 2–9 lives; 30% for 10+)
- Certain SIC codes are excluded — full details on request
Not a member yet? Businesses join the Ohio Small Business Council by becoming Ohio Chamber of Commerce members. Contact Bryan Drewry, External Relations Representative at the Ohio Chamber: (614) 629-0944 or bdrewry@ohiochamber.com.
Request a free quote
Quotes are requested on OneAmerica’s online form, which takes less than five minutes. OneAmerica returns proposals in 24 hours or less; from there you choose your plans, and implementation can be completed in as few as 10 days.
Working with OCIA? List us on the form.
If you reach the form from our website or any other link from our agency, tell OneAmerica we’re your agency so we can assist you and follow up once your quotes are ready. When the form asks “Do you currently work with a benefits broker?” choose Yes and enter:
- Broker contact name
- Ohio Chamber Insurance Agency (OCIA)
- Broker contact email
- dmartin@ohiochamber.com
The form opens in a new tab on JotForm and is operated by OneAmerica, not OCIA. Your employee census is uploaded there, directly to OneAmerica — please don’t email census files to us or send them through our website.
What to have ready
About your business
Company name, city and state, industry type or SIC code, total employees, years in business, payroll frequency, and your desired effective date.
Coverage to quote
Which lines you want — Life & AD&D, Short-Term Disability, Long-Term Disability — and whether each is employer-paid or employee-paid.
Employee census (Excel only)
Employee name, date of birth, gender, date of hire, occupation, hours worked per week, and annual earnings.
Rather talk it through first? Call your OCIA team at 614-629-0936.
Brochures and resources
Program materials from the Ohio Small Business Council and OneAmerica, ready to download and share with your team.
The Program at a Glance One-page quick reference: who it’s for, what you can offer, what every plan includes, and how to start. Download PDF ↓ Product Brochure Two pages: coverage overview, how it works, plan designs for Life & AD&D, STD and LTD, and eligibility. PDF ↓ How to Request a Quote Exactly what to have ready before you start the quote request form. PDF ↓ Employer-Paid or Voluntary? Two ways to offer coverage — who pays the premium, and how to combine both. PDF ↓ Why Life & AD&D Matters What a life insurance benefit does for your employees’ families, and the benefit options available. PDF ↓ Why Long-Term Disability Matters How LTD protects a paycheck, and the gaps other coverage leaves. PDF ↓ Did You Know? The OneAmerica Difference Claims review times, the included EAP, the rate guarantee, and more. PDF ↓ Program Announcement The Ohio Small Business Council’s announcement of the program to members. PDF ↓This page summarizes program materials published by the Ohio Small Business Council in partnership with OneAmerica. It is a general description, not a contract or a quote. Refer to your proposal and policy documents for exact coverage terms. Page last updated October 2026.
OneAmerica Financial® is the marketing name for the companies of OneAmerica Financial. Products issued and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica Financial company. Not available in all states or may vary by state. This material is for overview and informational purposes only and is not intended as tax, legal or investment advice. Coverage is subject to eligibility and underwriting.
Not sure which coverage fits your team?
Talk with OCIA first. We’ll help you decide between employer-paid and voluntary options, then walk you through your quotes when they arrive.
Schedule a Consultation