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.

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 must use sick leave (if available) in conjunction with the disability benefit
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