Mutual of Omaha's voluntary long-term disability insurance helps your clients keep an eye on their benefits budgets while providing a comprehensive disability plan. And, our voluntary enrollment team* makes the entire process smooth for everyone involved.
Included features
- Benefit amounts of 50 or 60 percent
of pre-disability salary - Maximum monthly benefits from $1,000 to $5,000 with higher maximums available depending on group size
- Elimination periods of 90, 120, 150 or
180 calendar days - Flexible benefit duration
- Variety of disability definition options
- Partial disability benefits
- Three-month survivor benefit
- Two-year guaranteed rate
- Waiver of premium while collecting benefits
- Medical premium reimbursement
- Vocational rehabilitation program
Work incentives and optional features
- Child and family care
- 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 - Employee Assistance Program – Basic, Enhanced Basic and Comprehensive options available
- Trial work days
- Conversion
- Cost-of-living adjustment
Eligibility requirements
- Minimum enrollment of 25 employees or 25 percent of eligible employees, whichever is greater
- active, full-time employees working 30 or more hours per week
