DISABILITY INSURANCE

Disability coverage provides the financial security of knowing that you will continue to receive income if you are unable to work due to illness or injury.

Voluntary Short-Term Disability

Even a few weeks away from work can make it difficult to manage household expenses Short-Term Disability is a voluntary benefit through Mutual of Omaha This coverage will pay up to 60% of your weekly salary up to a maximum of $1,000 for non work-related accidents or illnesses, so you can focus on getting better, and worry less about keeping up with your bills . Benefits begin on the 15th day of disability for accident and sickness . Benefits are payable up to a maximum of 11 weeks

Pre-existing conditions exclusion: 3 month lookback; Excluded for the first 6 months of coverage.

Voluntary Long-Term Disability

Serious illnesses or accidents can come out of nowhere They can interrupt your life and your ability to work for months or even years. Voluntary Long-Term Disability coverage is available to you through Mutual of Omaha. This benefit pays 60% of your monthly earnings in the event of a disability after 90 days for non workrelated accidents or illnesses up to a maximum monthly benefit of $6,000. The Long-Term Disability benefit pays up to the Social Security Normal Retirement Age (SSNRA).

Pre-existing conditions exclusion: 12 month lookback; Excluded for the first 12 months of coverage.

If you decline the LTD benefit when you are first eligible as a new-hire and apply as a late-entrant, evidence of insurability will be required for you to be approved for coverage