Voluntary Long-Term Disability Insurance

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

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