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Determine Your Disability Income Insurance Needs

How would you pay your bills if you were
sick or injured?

If your paycheck suddenly stopped because of a disability, you'd still have to pay your mortgage or rent, utilities, car payment, groceries - and all your other monthly expenses.

Disability income insurance provides helpful benefits. Read these customers' stories from our 2004 Annual Report.

What are the odds?

  • An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.1
  • Close to 90 percent of disabling accidents and illnesses are not work-related.2
  • Only 34.1 percent of almost 2.2 million people who applied for Social Security disability benefits were approved in 2007.3
  • 70 percent of the private sector workforce has no long-term disability insurance.4
1 Life and Health Insurance Foundation for education, November 2005 (most current available)
2 National Safety Council, Injury Facts 2008 Edition
3 Social Security Administration, Annual Statistical Report on the Social Security Disability Insurance Program, 2008
4 Social Security Administration, Fact Sheet January 31, 2007

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Coverage may not be available in all states and may vary by state.

Underwritten by Mutual of Omaha Insurance Company. Mutual of Omaha Plaza, Omaha, NE 68175. Disability income policy/certificate form numbers: D81, D82, D83 (in ID, OR and TX, D81-20896/20897, D82-20898/20899, D83-20900/20901; in NC, D81-21008/21009, D82-21010/21011, D83-21012/21013; in NY, D81-21098/21099, D82-21100/21101, D83-21102/21103; in OK, D81-21014/21015, D82-21016/21017, D83-21018/21019; in PA, D81-21080/21081, D82-21082/21083, D83-21084/21085), 150BE (in ID, 150BE Series -10116; in NC and OK, 150BE Series 8972; in OR, 150BE Series-13316, in TX, 150BE Series-9068, in PA, 150BE Series-1050; in NY, 151BE Series-12495) or state equivalent.

In NY, these policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for D81-21098, D82-21100, D83-21102 and 151BE Series-12495 is 55% (D81-21099, D82-21101 and D83-21103 is 60%). The ratios are the portion of future premiums, which the Company expects to return as benefits when averaged over all people with these policies.

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