Disability

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a short period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a long period of time, up to Social Security Normal Retirement Age. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan rules:

Eligibility: Eligible full-time Employees working 20 or more hours per week
Coverage through Mutual of Omaha
Employee must be actively at work on the effective date
Short-Term Disability: Annual enrollment, no health questions every year.
- Employees can stop their sick leave at the end of the elimination period or continue until sick leave is exhausted.
  Decision must be made at the beginning of leave.
Long-Term Disability: If electing outside of initial enrollment, Evidence of Insurability (EOI) would be required.
Both Short-Term and Long-Term Disability benefits will offset for any outside income (sick leave, worker’s comp, paid
parental leave, retirement benefits, etc.)
The chart below is a sample of covered services. Please view the plan certificate for details in their entirety.