Disability insurance
Protect your paycheck with disability insurance through Mutual of Omaha.
Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.
Short-term disability Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time. ASCD +ISTE provides this coverage at no cost to you.
Pre-existing condition limitations If you make a disability claim within the first year of being covered, check your plan details to see how pre-existing condition limitations might impact your coverage.
Benefits begin
After 14 days of inability to work
Coverage amount
70% of your income up to $1,500 per week
Payments may continue
Up to 11 weeks if you’re unable to return to work
Long-term disability Long-term disability coverage can provide lasting income protection if you remain unable to work. ASCD +ISTE provides this coverage at no cost to you.
After 90 days of inability to work (once short-term disability ends)
Benefits begin
Coverage amount
60% of your income up to $10,000 per month
Later of your Social Security Normal Retirement Age, or the Age at Disability schedule
Payments maycontinue
The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarizedherein differs fromthe underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases.
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