Short-Term Disability Insurance

Mutual of Omaha Insurance Company's (Mutual of Omaha) Disability Income Choice Portfolio^® has two policy options for short-term disability insurance – Short-Term Disability and Accident Only Disability.

These policy options may be right for you if

• you want immediate coverage from the first day of your disability
• you only need coverage until your employer-provided disability insurance would begin paying benefits
• you’re interested in protection that is portable, not tied to your job
• you are willing to accept a shorter benefit period to keep the premium as low as possible

Short-Term Disability

This policy will pay you a monthly benefit if you are unable to work due to a disabling accident or sickness.

You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.

Monthly benefit	Based on a portion of your current income. Maximum monthly base benefit is $5,000.
Elimination period	0/7 (accident/sickness), 7, 0/14, 14, 30, 60 or 90 days
Benefit period*	3, 6, 12 or 24 months
Issue ages	18 – 61
Premium**	Premium rate is level until age 67. You may continue coverage until age 75 (premiums will increase annually after age 67).

Built-in Benefit Highlights

Some of the benefits included in the base policy are:

Total Disability Income Benefit

If an injury or illness prevents you from performing the duties of your regular job, and you aren’t gainfully employed in another occupation, we will pay you a monthly benefit once the elimination period has been met.

Partial Disability Benefit

If an injury or illness prevents you from performing the duties of your regular job or more than 50 percent of your normal day, we will pay you 50 percent of the total disability monthly benefit once the elimination period has been met. Payable for up to six months.

Guaranteed Renewable

We cannot cancel this policy, up to age 67, as long as you pay the premium when due.

Waiver of Premium

Premium is waived for the coverage and optional riders after you are disabled for 90 days. We will also refund any premiums you paid during this 90-day period.

Workers’ Compensation

If you are disabled by an injury or sickness that is covered by state or federal workers’ compensation, employer’s liability or occupational disease law we will pay you 50 percent of the short-term disability benefits for which you are eligible.

Rehabilitation Benefit

You may be eligible to receive vocational rehabilitation services at our expense.

Survivor Benefit

If you die while you are disabled, we will pay your beneficiaries a lump-sum amount equal to three times the total disability monthly benefit, payable at the time of your death.

Optional Benefits (additional premium applies)

Critical Illness Benefits Rider (Form 0LL8M)

Pays up to $25,000 in a lump-sum benefit if you are diagnosed with certain specified diseases.

Hospital Confinement Indemnity Benefits Rider (Form 0LL9M)

Pays up to $500 for each day you’re confined to a hospital. The benefit doubles for days of confinement in intensive care. Benefits are payable for a maximum of 45 days for any period of confinement.

Accident Medical Expense Benefits Rider (Form 0ML1M-41)

This rider will provide you with reimbursement for medical-related expenses incurred per accident. Maximum benefit amounts per accident are $1,000, $2,000, $3,000 and $5,000. The benefit only applies to services and supplies received within 26 weeks from the date of the covered injury.

Return of Premium Benefit Rider (Form 0AZA4M Rev. or 0AX5M Rev.)

Pays you back either 50 or 80 percent of premiums minus claims paid after 10 years, depending on the option you choose.

Mutual of Omaha’s Short-Term Disability insurance may be the right policy for you. Be sure to work with a licensed insurance agent who can help you review your needs and choose the best benefits to help protect your income.

* Elimination and/or benefit periods may vary by state.

** Premiums will remain level to age 67 even if you file a claim. The only way your premium would be changed prior to age 67 is if you change your policy features or premiums are raised collectively for all people with the same Mutual of Omaha policy.

Features and riders may not be available with all policies or approved in all states.

See what is not covered by a short-term disability insurance policy.