Disability Insurance

Understanding your disability benefit options is crucial, as they safeguard your income and ensure your financial stability in the long run.

Mutual of Omaha Short-Term Disability Long-Term Disability
Benefits Begin On the 15th day, contingent upon satisfying the definition of disability as stated in your policy On the 91st day, contingent upon satisfying the definition of disability as stated in your policy
Percentage of Income Replaced 70% of basic weekly earnings 60% of basic monthly earnings
Maximum Benefit available Up to $2,000 per week Up to $6,000 per month
Benefit Duration Up to 11 weeks Up to Social Security Normal RetirementAge

Important!

Please note that WAPFML disability pays primary in the event of a claim. The Mutual of Omaha policy will then pay the difference up to the plan limits, not in addition to the WAPFML benefit. We strongly encourage you to file for the state coverage as soon as possible to ensure timely claim processing in the event of an approved benefit.