Short-Term Disability Income Insurance

Short-term disability income insurance helps protect employees from financial hardship. Many employees simply don’t have enough savings to cover lost income if they’re disabled due to covered illnesses or injuries.

Our return-to-work incentives demonstrate our commitment to getting disabled employees back to productivity sooner. And we offer a range of features to help tailor a plan that’s right for you.

Designed with employers and employees in mind

Employer Benefits

• Available with voluntary, non-contributory and contributory options
• Flexible plan designs
• Own job definition of disability – not own occupation
• Plans may include annual open enrollment, reduced pre-ex limitation
• Pre-ex is waived for employees insured under a prior individual or group short term disability plan*
• Mutually Progressive Partial work incentive disability benefit – with as little as a 1 percent earnings loss

Employee Benefits

• Peace of mind to help focus on recovery
• Cash benefits to help pay bills
• Replaces a percentage of salary (usually 50 to 60 percent)
• Option of elimination periods being satisfied with either total or partial days of disability
• Premium waived while receiving voluntary disability benefits
• If portability is included, coverage is fully portable when an employee is no longer eligible under the policy*
• Seamless transition to long-term disability if the employee has both Mutual short term disability and long term disability insurance

Optional Features and Services**

• Portability
• Survivor Benefit
• Vocational Rehabilitation
• Reasonable Accommodation

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Our value added services are designed to help employers manage productivity, while helping employees manage life challenges so they continue to stay productive at work.

Employee Assistance Program**

AbsencePro℠ (FMLA)**

Manage Family and Medical Leave Act (FMLA) and Americans with Disabilities Act (ADA) related leaves of absence.

Hearing Discount Program

Travel Assistance**

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  * Available with voluntary plans only.

  ** Additional premium may apply.

  Disability income insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 800-769-7159. United of Omaha Life Insurance Company is licensed in all states except New York. Policy form number: 7000GM-U-EZ 2010 or state equivalent (In FL:7000GM-U-EZ 2001 FL 02, In NC:7000GM-U-EZ 2010 NC). In New York, disability income insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Policy form number 7000GM-M-EZ 2010 NY. Each company is responsible for its own contractual and financial obligations.

  This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services. The expected benefit ratio for this policy is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

  Some exclusions, limitations and reductions may apply.

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