Get Up to $20,000 a Month in Coverage

Everyone has different financial needs. A disability income insurance policy from Mutual of Omaha Insurance Company can be customized to provide you coverage to replace a portion of the income you rely on to meet your financial needs.

Learn more about how you can help protect your income with disability income insurance.

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Our Disability Income Insurance products help safeguard the income you've worked hard to secure by providing benefits to help replace a portion of your income should you become sick or injured and unable to work.


Disability Income Insurance Basics

How does Disability Income Insurance Work?

If you become sick or injured and can't work, you'll receive a monthly benefit that helps replace a portion of your lost income. Think of it as your monthly paycheck!

How Much Income Can Disability Income Insurance Replace?

Disability income insurance can replace 50 - 70% of your income if you're sick or injured and are unable to work.

How Soon Can I Get Benefits?

There's an elimination period that begins after your disabling event occurs. This elimination period varies based on your occupation and the policy you select.

Who is Eligible for This Coverage?

People between the ages of 18 and 61 who work at least 30 hours per week.

What is Not Covered?

Disability Insurance is protection put in place prior to an accident or injury. Generally, current disabilities & illnesses, pregnancy or pending surgeries are not eligible for coverage.

The risk is real. A Mutual Income Solutions policy can help.

Mutual Income Solutions, our disability income insurance product, provides flexibility of policy type, offers a return of premium option and a chance for automatic increase benefits. And with monthly benefit options ranging from $300 to $20,000, you can find the coverage that best fits your unique paycheck protection needs.

A Disabling Event Can Strike at Any Time

Only 40 percent of US households have enough in liquid savings to cover at least three months of their recurring expenses.*

51 million working adults in the U.S don’t have disability income coverage.*

One in four of the work force can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.*

*Source: Council for Disability Awareness, disabilitycanhappen.org, 2021


Serious Illnesses Can Happen at Any Time*

At 45, attorney Peter Zatir attributed the fatigue he was feeling to middle age. Add to that a busy law practice and five active kids—the youngest just a year old—and it’s easy to see how he could have written off the early signs of a serious illness. When he finally visited his doctor, the diagnosis was grim. He had an aggressive form of thyroid cancer and was given less than a year to live.

As Peter lay awake at night, his financial situation was one thing he didn’t lose sleep over. Shortly after Peter stopped working to focus on fighting his disease, the individual disability insurance policy he purchased began paying a monthly benefit.

Six years after his diagnosis, Peter was doing better and his family was able to maintain its standard of living—thanks to the benefits from his individual disability policy.


Life Can Change in an Instant*

It was on a busy day for Travis Guthman—typical of one so many parents have—that Travis juggled driving and arranging a meet-up for his son. While he had pulled over to read the text, he decided to answer it while driving back home. That’s when, distracted by his phone, he hit a concrete footing on a narrow bridge—a route he had taken hundreds of times before.

The accident landed him in the hospital with a shattered pelvis and other injuries so severe that it has taken him almost two years and countless surgeries just to be able to walk with the help of a leg brace. During this time, he hasn’t been able to work, and admits the family would have lost the pizzeria it owns if it hadn’t been for the disability insurance that his insurance professional helped him put in place.

The monthly payment from his disability insurance has allowed the Guthman family to pay their ongoing bills and expenses and keep food on the table. “Without disability insurance we would have been in a world of hurt. You think it will never happen to you, until it does. Disability insurance has been a huge blessing for our family.”

*Source: www.lifehappens.org, 2019


Why Choose Mutual of Omaha?

Mutual of Omaha offers competitive coverage with convenience. For more than a century, Mutual of Omaha has helped people protect what matters most. Today, that protection includes Disability Income Insurance offerings for the 21st century. Our entire process, from application to issue (and beyond) is a convenient, easyto-follow, fully electronic experience.