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.

Plan Rules:

  • Eligibility: 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

  • Employees DO NOT have to exhaust all sick leave prior to receiving benefits

  • Short Term Disability - No health questions - Every Year at Open Enrollment! (Pre-existing condition will apply for new participants)

  • Long Term Disability - If electing outside of the initial open enrollment period, health questions will be required

  • Participants can begin the required disability paperwork up to 3-4 weeks before going out on disability

Mutual of Omaha Website Link

Contact Campus Benefits for assistance with claims.

Email: mybenefits@campusbenefits.com

Call 1-866-433-7661, option 5


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Phone: 866-433-7661 (Option 5)

Fax: 770-394-0333

The Madison County Schools' Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD). easy.