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 ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Eligible employees as described within the eligibility section of this guide
Coverage through Mutual of Omaha - GROUP NUMBER: G000CDV8
Must be actively at work on the effective date
No health questions – Every Year! (Pre-existing condition will apply for new participants)
Employees can choose not to exhaust all of their sick leave (use sick leave to get through the elimination period and stop sick leave once the STD/LTD benefit starts). This decision must be made at the time leave begins
STD: pays in-addition to sick leave and paid parental leave. Employees can start/stop sick leave, the decision must be made at the start of disability.
LTD: does not pay in addition to sick leave