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Your Financial Resources During a Disability
Know the truth about the resources available to you during a disability. Consider these facts and you'll realize disability income insurance can be your greatest resource.
- Social Security Disability payments have strict guidelines. Benefits don't begin until 12 months after disability. To qualify, you must be unable to engage in any type of work. According to the Social Security Administration Office of Disability and Income Security Programs 61 percent of the 2.1 million workers who applied for SSDI benefits were denied in 2005.1
- Group disability coverage through your employer often covers only 50 to 60 percent of your pay. Would that be enough to pay your bills? In addition, group benefits are taxable. (Benefits from individual policies are not.) More than 70 percent of all U.S. workers do not participate in long-term disability benefits according to the U.S. Department of Labor, Bureau of Labor Statistics, National Compensation Survey, March 2005.
- Personal savings are helpful, but they can disappear quickly in the face of an unexpected illness or injury
1 2006 Council for Disability Awareness
© 2008 Mutual of Omaha Insurance Company. All rights reserved.
Coverage may not be available in all states and may vary by state.
Disability insurance is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. Disability income policy/certificate form numbers: D77/CD77, D81, D82, D83 (in ID, OR and TX, D81-20896/20897, D82-20898/20899, D83-20900/20901; in NY, D81-21098/21099, D82-21100/21101, D83-21102/21103; in OK, D81-21014/21015, D82-21016/21017, D83-21018/21019; in PA, D81-21080/21081, D82-21082/21083, D83-21084/21085), 150BE (in ID, 150BE Series -10116; in OK, 150BE Series 8972; in OR, 150BE Series-13316, in TX, 150BE Series-9068, in PA, 150BE Series-1050; in NY, 151BE Series-12495) or state equivalent. These policies/certificates have exclusions, limitations, and reductions.
In NY, these policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for D81-21098, D82-21100, D83-21102 and 151BE Series-12495 is 55% (D81-21099, D82-21101 and D83-21103 is 60%). The ratios are the portion of future premiums, which the Company expects to return as benefits when averaged over all people with these policies.
AFN40101-74 01-08
