Long-Term Disability Insurance Underwritten by United of Omaha Life Insurance Company (Mutual of Omaha Insurance Company in NY)

Our long-term disability insurance offers flexible features to help you design an insurance plan that fits your clients' budgets.

Available options

  • Definition of disability – regular occupation
    definition, plus additional options to meet
    specific employer needs:
    • Own occupation/gainful occupation variations
    • Activities of daily living
  • Mutually progressive partial 99/85 percent earnings tests
  • Multiple elimination period options
  • No prudent person pre-existing condition provision
  • Vocational rehabilitation with reasonable accommodation
  • Lifetime work incentive benefit
  • Survivor Benefit
  • Portability
  • Cost of Living Adjustment
  • COBRA Premium Reimbursement Benefit
  • Retirement Income Protection Benefit
  • Revenue Protection Benefit
  • Child Care/Family Care Benefit
  • Earnings Freeze For Progressive Illness Benefit
  • Infectious and Contagious Disease Benefit
  • Physician Specialty Own Occupation
  • Employee Assistance Program – Basic, Enhanced Basic and Comprehensive options available
  • FMLA Administration – full-service assistance with Family Medical Leave Act (FMLA) Administration
  • Travel Assistance – assistance to covered employees traveling outside of the country or over 100 miles from home
  • Plans for Medical Professionals – Most disability insurance plans do not adequately protect the incomes of these highly paid and specialized professionals. Mutual of Omaha's LTD plans for medical professionals is designed to meet their unique income protection needs.