Long-Term Disability Insurance

Mutual of Omaha's long-term disability insurance offers flexible features to help you design a 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
  • Mutually progressive 99 percent earnings test
  • Occupation or earnings test
  • Activities of daily living
• Elimination periods
• Medical premium reimbursement
• No prudent person pre-existing condition
• Vocational rehabilitation and reasonable accommodation
• Floating work incentive benefit
• FMLA Administration – full-service assistance with Family Medical Leave Act (FMLA) Administration
• Travel Assistance – provides 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

For more information, Contact your local group sales and service office