DISABILITY

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a short period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Full-Time employees working 20 or more hours a week and bus drivers working 15 or more hours a week
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
No Health Questions - EVERY YEAR! (Pre-existing condition will apply for new participants)
Employees can choose to start/stop their sick leave
Pays in addition to sick leave (Above 100% of pre-disability earnings)
Employee does not have to exhaust sick leave prior to receiving a benefit

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a longer period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Full-Time employees working 20 or more hours a week and bus drivers working 15 or more hours a week
Coverage provided by Mutual of Omaha
Must be actively at work on the effective date
If electing outside of the initial open enrollment period, health questions will be required
Employees can choose to start/stop their sick leave
Does not pay in addition to sick leave