Voluntary Long-Term Disability Insurance

Voluntary long-term disability insurance from Mutual of Omaha can help you keep an eye on your benefits budget. Because employees pay 100 percent of the premium through payroll deductions, there's no additional cost to the company.

And, with a list of flexible features automatically included, you can design a plan that suits your company.

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
• Trial work days
• Conversion
• Cost-of-living adjustment

Eligibility requirements

• Minimum enrollment of 25 employees or 25 percent of eligible employees, whichever is greater
• All active, full-time employees working 30 or more hours per week

For more information

Contact your benefits adviser or local group sales and service office

Other Products