Our Solution for Short-Term Disability Income Insurance

Immediate coverage for when you need it

Short-term disability income insurance allows you to have immediate coverage that can fill the protection gap until your employer-based benefits kick in. Coverage is portable, meaning you own the policy so it’s not tied to your current job. You can tailor coverage to your needs with several optional benefits.

Short-term disability income insurance might 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

Product Details
Short-Term Disability Income Insurance
  • 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 coverage ends at age 67
Contact an Agent

to schedule an appointment call 800-388-9606

** You must be in this age range to purchase Mutual of Omaha Insurance Company’s (Mutual of Omaha) disability income insurance plans. 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.

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.

Optional Benefits (additional premium applies)
Critical Illness Benefits Rider (Form 0LL8M)

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.

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

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