Long-Term Disability Insurance

Mutual of Omaha's long-term disability insurance offers flexible features to help you design a plan that fits your clients' budgets.

Available options

• Definition of disability – regular occupation
  definition, plus additional options to meet
  specific employer needs:
  • Own occupation/gainful occupation variations
  • Mutually progressive 99 percent earnings test
  • Occupation or earnings test
  • Activities of daily living
• Elimination periods
• Medical premium reimbursement
• No prudent person pre-existing condition
• Vocational rehabilitation and reasonable accommodation
• Floating work incentive benefit
• Employee Assistance Program – Basic, Enhanced Basic and Comprehensive options available
• 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
• Plans for Medical Professionals – Most disability insurance plans do not adequately protect the incomes of these highly paid and specialized professionals. Mutual of Omaha's LTD plans for medical professionals is designed to meet their unique income protection needs.

For more information, Contact your local group sales and service office