Disability

What is Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. 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.

Short-Term Disability Plan Rules:

Eligibility: Eligible employees as described on the Eligibility page of the employee benefits guide
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
No health questions-EVERY YEAR! (Pre-existing condition will apply for new participants)
Employees do not have to exhaust sick-leave prior to receiving a benefit
Short-Term Disability pays in-addition to sick leave and paid parental leave (above 100% of pre-disability earnings). Must use in conjunction.

Long-Term Disability Plan Rules

Eligibility: Eligible employees as described on the Eligibility page of the employee benefits guide
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
No health questions-EVERY YEAR! (Pre-existing condition will apply for new participants)
Does not pay in addition to sick leave