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 page 2 of the benefits guide
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
Employees do not have to exhaust sick-leave prior to receiving a benefit
No Health Questions-EVERY YEAR! (Pre-existing condition will apply for new participants)
Pays in addition to sick leave (Above 100% of pre-disability earnings)
Paid Parental Leave: Must use up front in conjunction with FMLA

Long-Term Disability Plan Rules

Eligibility: Eligible employees as described on page 2 of the benefits guide
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
Employees do not have to exhaust sick-leave prior to receiving a benefit
No Health Questions-EVERY YEAR! (Pre-existing condition will apply for new participants)
Does not pay in addition to sick leave