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Mutual of Omaha Disability

State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

Accident Only Disability

Issue Ages 18-61. Guaranteed renewable up to age 67. Maximum Monthly Benefit: $5,000. Elimination Period (calendar days): 0/7, 7, 0/14, 14, 30, 60 or 90 days. Benefit Period: 3, 6, 12, or 24 months. Base Benefits: Total/Partial Disability, Presumptive Total Disability, Survivor, Waiver of Premium, Recurrent Disability, and Worker’s Compensation Rider.

Optional Benefits: Accident Hospital Confinement and Accident Medical Expense. Underwriting Available: Simplified.

Short-Term Disability

Issue Ages 18-61. Guaranteed renewable up to age 67; conditionally renewable to age 75. Maximum Monthly Benefit: $5,000. Elimination Period (calendar days): 0/7, 7, 0/14, 14, 30, 60 or 90 days. Benefit Period: 3, 6, 12, or 24 months. Base Benefits: Total/Partial Disability, Presumptive Total Disability, Transplant Donor, Terminal Illness, Survivor, Rehabilitation, Waiver of Premium, Recurrent Disability, and Worker’s Compensation Rider.

Optional Benefits: Hospital Confinement, Critical Illness, Return of Premium, and Accident Medical Expense. Underwriting Available: Simplified, up to $3,000 monthly benefit; and Full Underwriting.

Long-Term Disability

Issue Ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Maximum monthly benefit: $12,000. Elimination period (calendar days): 60, 90, 180 or 365 days. Benefit period: 2, 5, 10 years or to age 67. Base benefits: total disability, proportionate disability, presumptive total disability, transplant donor, terminal illness, survivor, rehabilitation, waiver of premium, and recurrent disability.

Optional benefits: hospital confinement, critical illness (Alzheimer’s disease, blindness, deafness, heart attack/myocardial infarction, life-threatening cancer, major organ transplant, paralysis, renal failure or stroke),  return of premium, social insurance supplement, extended own occupation, future insurability option, extended proportionate disability, cost-of-living adjustment, and accident medical expense. Underwriting available: full underwriting.

Business Overhead Expense

Issue Ages 20-59. Guaranteed renewable to age 65. Maximum monthly benefit: Ranges from $8,000 – $20,000. Elimination period (calendar days) 30, 60, 90, 180, or 365 days. Benefit period: 12 or 18 months. Underwriting available: simplified, up to $3,000 monthly benefit; and full underwriting.

Elimination and/or benefit period may vary by state. Features and riders may not be available with all policies or approved in all states. BOE product not available in all states.

Benefits include: Total loss of time benefit, recurrent total loss of time benefit and waiver of premium

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