Short-Term Disability Insurance

Mutual of Omaha Insurance Company's (Mutual of Omaha) Disability Income Choice Portfolio® has two policy options for short-term disability insurance – Accident Only Disability and Short-Term Disability.

Short-Term Disability Insurance may be right for you if

  • you want immediate coverage from the first day of your disability
  • you only need coverage until your employer-provided disability insurance would begin paying benefits
  • you’re interested in protection that is portable, not tied to your job
  • you are willing to accept a shorter benefit period to keep the premium as low as possible

Accident Only Disability

This policy will pay you a monthly benefit if you are unable to work due to a disabling accident. It does not cover disability due to sickness. The cost of this policy is generally lower than the cost of policies covering both accident and sickness-related disabilities.

You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.

Monthly benefit Based on a portion of your current income. Maximum monthly base benefit is $5,000.
Elimination period* 0, 7, 14, 30, 60 or 90 days
Benefit period* 3, 6, 12 or 24 months
Issue ages 18 – 61
Premium** Premium rate is level until coverage ends at age 67

Built-in Benefit Highlights

Some of the benefits included in the base policy are:

Total Disability Income Benefit
If an injury prevents you from performing the duties of your regular job, and you aren’t gainfully employed in another occupation, we will pay you a monthly benefit once the elimination period has been met.
Partial Disability Benefit
If an injury prevents you from performing the duties of your regular job or more than 50 percent of your normal day, we will pay you 50 percent of the total disability monthly benefit once the elimination period has been met. Payable for up to six months.
Guaranteed Renewable
We cannot cancel this policy, up to age 67, as long as you pay the premium when due.
Waiver of Premium
Premium is waived for the coverage and optional riders after you are disabled for 90 days. We will also refund any premiums you paid during this 90-day period.
Workers’ Compensation
If you are disabled by an injury or sickness that is covered by state or federal workers’ compensation, employer’s liability or occupational disease law we will pay you 50 percent of the short-term disability benefits for which you are eligible.
Survivor Benefit
If you die while you are disabled, we will pay your beneficiaries a lump-sum amount equal to three times the total disability monthly benefit, payable at the time of your death.

Optional Benefits (additional premium applies)

Accident Hospital Confinement Indemnity Benefits Rider (Form 0LL9M)
Pays you up to $500 for each day you’re confined to a hospital due to an accident. The benefit doubles for days of confinement in intensive care. Benefits are payable for a maximum of 45 days for any period of confinement.
Accident Medical Expense Benefits Rider (Form 0ML1M-41)
Provides you reimbursement for medical-related expenses incurred per accident. Maximum benefit amounts per accident are $1,000, $2,000, $3,000 and $5,000. Covers services and supplies received within 26 weeks from the date of the covered injury.

Mutual of Omaha’s Accident Only Disability insurance may be the right policy for you. Be sure to work with a licensed insurance agent who can help you review your needs and choose the best benefits to help protect your income.

* Elimination and/or benefit periods may vary by state.

** Premiums will remain level even if you file a claim. The only way your premium would be changed is if you change your policy features or premiums are raised collectively for all people with the same Mutual of Omaha policy.

Features and riders may not be available with all policies or approved in all states.

Short-Term Disability

This policy will pay you a monthly benefit if you are unable to work due to a disabling accident or sickness.

You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.

Monthly benefit Based on a portion of your current income. Maximum monthly base benefit is $5,000.
Elimination period 0/7 (accident/sickness), 7, 0/14, 14, 30, 60 or 90 days
Benefit period* 3, 6, 12 or 24 months
Issue ages 18 – 61
Premium** Premium rate is level until age 67. You may continue coverage until age 75 (premiums will increase annually after age 67).

Built-in Benefit Highlights

Some of the benefits included in the base policy are:

Total Disability Income Benefit
If an injury or illness prevents you from performing the duties of your regular job, and you aren’t gainfully employed in another occupation, we will pay you a monthly benefit once the elimination period has been met.
Partial Disability Benefit
If an injury or illness prevents you from performing the duties of your regular job or more than 50 percent of your normal day, we will pay you 50 percent of the total disability monthly benefit once the elimination period has been met. Payable for up to six months.
Guaranteed Renewable
We cannot cancel this policy, up to age 67, as long as you pay the premium when due.
Waiver of Premium
Premium is waived for the coverage and optional riders after you are disabled for 90 days. We will also refund any premiums you paid during this 90-day period.
Workers’ Compensation
If you are disabled by an injury or sickness that is covered by state or federal workers’ compensation, employer’s liability or occupational disease law we will pay you 50 percent of the short-term disability benefits for which you are eligible.
Rehabilitation Benefit
You may be eligible to receive vocational rehabilitation services at our expense.
Survivor Benefit
If you die while you are disabled, we will pay your beneficiaries a lump-sum amount equal to three times the total disability monthly benefit, payable at the time of your death.

Optional Benefits (additional premium applies)

Critical Illness Benefits Rider
Pays up to $25,000 in a lump-sum benefit if you are diagnosed with certain specified diseases.
Hospital Confinement Indemnity Benefits Rider (Form 0LL9M)
Pays up to $500 for each day you’re confined to a hospital. The benefit doubles for days of confinement in intensive care. Benefits are payable for a maximum of 45 days for any period of confinement.
Accident Medical Expense Benefits Rider (Form 0ML1M-41)
This rider will provide you with reimbursement for medical-related expenses incurred per accident. Maximum benefit amounts per accident are $1,000, $2,000, $3,000 and $5,000. The benefit only applies to services and supplies received within 26 weeks from the date of the covered injury.
Return of Premium Benefit Rider (Form 0AZA4M Rev. or 0AX5M Rev.)
Pays you back either 50 or 80 percent of premiums minus claims paid after 10 years, depending on the option you choose.

Mutual of Omaha’s Short-Term Disability insurance may be the right policy for you. Be sure to work with a licensed insurance agent who can help you review your needs and choose the best benefits to help protect your income.

* Elimination and/or benefit periods may vary by state.

** Premiums will remain level to age 67 even if you file a claim. The only way your premium would be changed prior to age 67 is if you change your policy features or premiums are raised collectively for all people with the same Mutual of Omaha policy.

Features and riders may not be available with all policies or approved in all states.

See what is not covered by a short-term disability insurance policy.

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Exclusions and Limitations-Long-Term Disability Income Insurance
We will not pay benefits for: loss that begins while this policy is not in force; loss resulting from an act of declared or undeclared war; loss sustained while serving in the armed forces (upon notice to us of entry into the armed forces, the unearned portion of the premium will be refunded); loss caused by intentionally self-inflicted injury; loss resulting from commission or attempted commission of a felony; loss caused by suicide or attempted suicide, while sane or insane; loss resulting from your being legally intoxicated or under the influence of an illegal substance or a narcotic (except for narcotics given on the advice of and taken as prescribed by a Physician); loss for which benefits are provided under any state or federal worker's compensation, employer's liability or occupational disease law; loss resulting from Substance Abuse; or loss resulting from Mental or Nervous Disorders.

Exclusions and Limitations-Short-Term Disability Income Insurance
We will not pay benefits for: loss that begins while this policy is not in force; loss resulting from an act of declared or undeclared war; loss sustained while serving in the armed forces (upon notice to us of entry into the armed forces, the unearned portion of the premium will be refunded; loss caused by intentionally self-inflicted injury (while sane in Colorado); loss resulting from commission or attempted commission of a felony; loss caused by suicide or attempted suicide, while sane or insane; loss resulting from your being legally intoxicated or under the influence of an illegal substance or a narcotic (except for narcotics given on the advice of and taken as prescribed by a Physician); loss for which benefits are provided under any state or federal worker's compensation, employer's liability or occupational disease law; loss resulting from Substance Abuse; or loss resulting from Mental or Nervous Disorders.

Exclusions and Limitations-Accident Only Disability Income Insurance
We will not pay benefits for: loss that begins while this policy is not in force; loss resulting from an act of declared or undeclared war; loss sustained while serving in the armed forces (upon notice to us of entry into the armed forces, the unearned portion of the premium will be refunded); loss caused by intentionally self-inflicted injury; loss resulting from commission or attempted commission of a felony; loss caused by suicide or attempted suicide, while sane or insane; loss resulting from your being legally intoxicated or under the influence of an illegal substance or a narcotic (except for narcotics given on the advice of and taken as prescribed by a Physician); loss resulting directly or indirectly from disease or bodily infirmity; or loss for which benefits are provided under any state or federal worker's compensation, employer's liability or occupational disease law.

Exclusions and Limitations-Business Overhead Expense Disability Income Insurance
Benefits are not payable for loss beginning while the policy is not in force; loss resulting from suicide while sane or insane; loss resulting from air travel sustained while a passenger (not as a pilot or member of the crew), for transportation only; loss caused by an act or declared or undeclared war; loss sustained while in a armed service (upon notice to the Company or entry into such service, the pro rata premium will be refunded); normal childbirth, normal pregnancy or voluntary induced abortion. In ID, benefits are payable for complications of pregnancy on the same basis as any other sickness.

We will not be liable for any loss that results from being under the influence of any narcotic unless administered on the advice of a physician.