Disability Insurance

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We are offering you the opportunity to purchase disability coverage on either a short-term or long-term basis. Coverage will be offered through Mutual of Omaha.

Annual enrollment period: If you did not elect short-term disability coverage when you were initially eligible, you may do so up to the guaranteed issue amount without completing the Evidence of Insurability (EOI).

Voluntary Short-Term Disability (STD) – Plan Features

Short-Term disability insurance provides you with weekly income if you become disabled due to injury or illness, including maternity.

• STD benefits begin on the 14th day of a disability due to an injury or a sickness.

• Your weekly benefit is equal to 60% of your salary to a maximum of $1,000. The benefit is reduced by other income you may receive, including Social Security.

• You are eligible to receive STD benefits for up to 11 weeks, provided you remain disabled.

• There is a pre-existing condition limitation for any treatment received 3 months prior to your effective date and will not be covered until you have been insured under the disability plan for 6 months.

Short-Term Disability Weekly Contributions

Voluntary Long-Term Disability (LTD) – Plan Features

Long-Term Disability insurance helps protect you and your family’s income in the event of a long-term illness or disability. If you did not enroll when you were initially eligible, you may do so by providing evidence of Insurability (EOI) online at https://www3.mutualofomaha.com/eoi/#/home

• LTD benefits begin on the 91st day of a disability due to an injury or illness.

• Your monthly benefit is equal to 60% of your salary to a maximum of $5,000.

• The monthly benefit is reduced by Social Security or other income you receive.

• LTD benefits continue to Social Security Normal Retirement Age with a Reducing Benefit Duration , provided you remain disabled.

• Benefits are generally tax-free.

• Pre-existing condition limitation: If you become disabled due to a pre-existing condition during the first 12 months that you are covered, the benefit will not be paid until you have been covered under the disability plan for 12 months.

Increases to your current STD or LTD benefits resulting from salary increases will not require EOI