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.

Short-Term Disability (Employee Paid)

Even a few weeks away from work can make it difficult to manage household expenses. Employee Paid Short-Term Disability is available to you through Mutual of Omaha. This coverage will pay up to 60% of your weekly salary up to a maximum of $1,000 per week for non work-related injuries or illnesses so you can focus on getting better and worry less about keeping up with your bills. Benefits begin on the 8th day of disability for an accident or illness. Benefits are payable up to a maximum of 13 weeks.

Long-Term Disability (Employee Paid)

Serious illnesses or accidents can come out of nowhere. They can interrupt your life and your ability to work for months even years. 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 injury or illness up to a maximum monthly benefit of $6,000 per month. The Long-Term Disability benefit pays up to your Social Security Normal Retirement Age (SSNRA).

*Neither disability policies provide benefits for a pre-existing conditions within the first year-to-two years of the policy. Review your policy for details. A pre-existing condition is any condition for which you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines prior to your effective date of coverage. Please refer to the plan certificate for the pre-existing guidelines.

**If you waive these policies as a new hire and decide to enroll later, you are considered a late entrant and will be required to complete a health questionnaire called Evidence of Insurability. Your health status will be reviewed and approval is not guaranteed.