Income Protection
Income Protection
Short Term Disability
If not enrolled when first available, an Evidence of Insurability (EOI) form may be required.
| Feature | Detail |
|---|---|
| Available | Yes - Voluntary |
| Provider | Mutual of Omaha |
| Cost to Employee | Employee-paid via bi-weekly payroll deduction (age-rated) |
| Weekly benefit | 60% of weekly earnings |
| Maximum Weekly Benefit | $2,500 |
| Elimination Period | 14 days |
| Maximum Benefit Duration | 11 weeks |
| Definition of Disability | Unable to work due to non-work-related illness or injury |
Available
DetailYes - Voluntary
Provider
DetailMutual of Omaha
Cost to Employee
DetailEmployee-paid via bi-weekly payroll deduction (age-rated)
Weekly benefit
Detail60% of weekly earnings
Maximum Weekly Benefit
Detail$2,500
Elimination Period
Detail14 days
Maximum Benefit Duration
Detail11 weeks
Definition of Disability
DetailUnable to work due to non-work-related illness or injury
Long Term Disability
If not enrolled when first available, an Evidence of Insurability (EOI) form may be required.
| Feature | Detail |
|---|---|
| Available | Yes - Voluntary |
| Provider | Mutual of Omaha |
| Cost to Employee | Employee-paid via bi-weekly payroll deduction (age-rated) |
| Monthly benefit | 60% of monthly earnings |
| Maximum Monthly Benefit | $10,000 |
| Elimination Period | 90 days |
| Maximum Benefit Duration | Social Security Normal Retirement Age |
| Definition of Disability | Unable to work due to non-work-related illness or injury |
Available
DetailYes - Voluntary
Provider
DetailMutual of Omaha
Cost to Employee
DetailEmployee-paid via bi-weekly payroll deduction (age-rated)
Monthly benefit
Detail60% of monthly earnings
Maximum Monthly Benefit
Detail$10,000
Elimination Period
Detail90 days
Maximum Benefit Duration
DetailSocial Security Normal Retirement Age
Definition of Disability
DetailUnable to work due to non-work-related illness or injury
Disability Rates
| Age – as of 1/1/2026 | STD Rates (Per $10 of total weekly benefits) | LTD Rates (Per $100 of monthly covered payroll) |
|---|---|---|
| <20 | $0.40 | $0.14 |
| 20-24 | $0.40 | $0.15 |
| 25-29 | $0.40 | $0.23 |
| 30-34 | $0.40 | $0.33 |
| 35-39 | $0.41 | $0.47 |
| 40-44 | $0.42 | $0.60 |
| 45-49 | $0.43 | $0.86 |
| 50-54 | $0.51 | $1.38 |
| 55-59 | $0.64 | $1.73 |
| 60-64 | $0.74 | $2.05 |
| 65-69 | $0.85 | $2.15 |
| 70+ | $0.95 | $2.26 |
<20
STD Rates (Per $10 of total weekly benefits)$0.40
LTD Rates (Per $100 of monthly covered payroll)$0.14
20-24
STD Rates (Per $10 of total weekly benefits)$0.40
LTD Rates (Per $100 of monthly covered payroll)$0.15
25-29
STD Rates (Per $10 of total weekly benefits)$0.40
LTD Rates (Per $100 of monthly covered payroll)$0.23
30-34
STD Rates (Per $10 of total weekly benefits)$0.40
LTD Rates (Per $100 of monthly covered payroll)$0.33
35-39
STD Rates (Per $10 of total weekly benefits)$0.41
LTD Rates (Per $100 of monthly covered payroll)$0.47
40-44
STD Rates (Per $10 of total weekly benefits)$0.42
LTD Rates (Per $100 of monthly covered payroll)$0.60
45-49
STD Rates (Per $10 of total weekly benefits)$0.43
LTD Rates (Per $100 of monthly covered payroll)$0.86
50-54
STD Rates (Per $10 of total weekly benefits)$0.51
LTD Rates (Per $100 of monthly covered payroll)$1.38
55-59
STD Rates (Per $10 of total weekly benefits)$0.64
LTD Rates (Per $100 of monthly covered payroll)$1.73
60-64
STD Rates (Per $10 of total weekly benefits)$0.74
LTD Rates (Per $100 of monthly covered payroll)$2.05
65-69
STD Rates (Per $10 of total weekly benefits)$0.85
LTD Rates (Per $100 of monthly covered payroll)$2.15
70+
STD Rates (Per $10 of total weekly benefits)$0.95
LTD Rates (Per $100 of monthly covered payroll)$2.26
Mutual of Omaha - Disability