The disability benefits consist of a Short-term Disability (STD) Plan and Long-term Disability (LTD) Plan. The plans work together to replace a portion of your income when you are on an approved absence from work for your own serious health condition.
Plan | Benefit Amount and Timeline |
|---|---|
| Short-term Disability (STD) | STD has a 7-day elimination period and pays up to 25 weeks of benefits Pre- existing conditions apply* Contact Mutual of Omaha to file your STD claim at 800-877-5176 Replaces 20% of your pre-disability pay ($3,000 per week maximum) |
| Long-term Disability (LTD) | Provides coverage after a 180-day elimination period Income replacement Contact Mutual of Omaha to file your LTD claim at 800-877-5176 Replaces 60% of your pre-disability pay ($10,000 monthly maximum), pre-existing conditions apply |
NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits. Your effective date of coverage is the first day of the month following date of hire or coinciding with the 1st of the month. For more detailed information, please see the summary plan descriptions available from human resources.
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