DISABILITY

What is Disability Insurance? 

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules: 

  • Eligibility: All full-time employees working 20+ hours/week

  • Coverage through Mutual of Omaha

  • Employee must be actively at work on the effective date

  • Employees can start/stop sick leave to get through the elimination period

  • Employees do not have to exhaust sick-leave prior to receiving a benefit

Short-term Disability:

  • Pays in addition to sick leave

  • No health questions - Every Year! (Pre-existing condition will apply for new participants)

Long Term Disability:

  • Plan does not pay in addition to sick leave

  • If electing outside of the initial open enrollment period, health questions will be required. (Pre-existing condition will apply for new participants)

Contact Campus Benefits for assistance with claims.

Mutual of Omaha website click here