Mutual Of Omaha

Attract and retain a talented workforce with Disability Insurance From Mutual of Omaha. We'll support you with a friendly, receptive claims staff; experienced disability management teams; and resources that ease benefit administration.

                                                                       Mutual of Omaha's Wild Kingdom

Short-Term Disability Insurance

Designed to help manage an employees bottom line, while providing competitive benefits and reasonable cost. Includes a design a custom plan option with a menu of flexible features.

Available options

• Own job definition of disability – not own occupation
• Mutually progressive partial disability – with 1 percent earnings loss
• Own job test or earnings test
• Work incentive available
• Survivor benefit available
• Vocational rehabilitation program – a nationally-certified assistance program to help employees safely return to work
• Travel Assistance – assistance to covered employees traveling outside of the country or over 100 miles from home
• Employee Assistance Program – Basic and Comprehensive options available
   

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Long-Term Disability Insurance

Available Options

• Definition of disability – regular occupation definition, plus additional options to meet specific employer needs:
  • Own occupation/gainful occupation variations
  • Mutually progressive 99 percent earnings test
  • Occupation or earnings test
  • Activities of daily living
• Elimination periods
• Medical premium reimbursement
• No prudent person pre-existing condition
• Vocational rehabilitation and reasonable accommodation
• Floating work incentive benefit
• Travel Assistance – provides assistance to covered employees traveling outside of the country or over 100 miles from home
• Employee Assistance Program – Basic and Comprehensive options available
  
   

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Voluntary Short-Term Disability Insurance

Flexible options and features

• Benefit amounts of 50 or 60 percent of pre-disability salary
• Maximum monthly benefits from $200 to $1,200 with higher maximums available depending on group size
• Elimination periods of 7, 14, 30 calendar days
• Benefit duration of 9 to 26 weeks
• Survivor benefits available
• Own job definition of disability
• Partial disability benefits
• Waiver of premium while collecting benefits
• Vocational rehabilitation program – a nationally-certified assistance program to help employees safely return to work
• Travel Assistance – provides assistance to covered employees traveling outside of the country or over 100 miles from home
• Employee Assistance Program – Basic and Comprehensive options available

• Minimum enrollment of 10 employees or 25 percent of eligible employees, whichever is greater
• All active, full-time employees working 30 or more hours per week
   

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Voluntary Long-Term Disability Insurance 

Available options

• Definition of disability – regular occupation definition, plus additional options to meet specific employer needs:
  • Own occupation/gainful occupation variations
  • Mutually progressive 99 percent earnings test
  • Occupation or earnings test
  • Activities of daily living
• Elimination periods
• Medical premium reimbursement
• No prudent person pre-existing condition
• Vocational rehabilitation and reasonable accommodation
• Floating work incentive benefit
• Travel Assistance – provides assistance to covered employees traveling outside of the country or over 100 miles from home
• Employee Assistance Program – Basic and Comprehensive options available 
  
  
   

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