Disability Benefits

Employee Eligibility

You must be actively working a minimum of 30 hours per week to be eligible
for coverage.

Premium Payment

The premiums for this insurance are paid in full by the policyholder. There is no
cost to you for this insurance.

Elimination Period

Your benefits begin on the later of 90 calendar days after the onset of your disabling injury or illness.

Monthly Benefit

Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount less other income sources. The premium for your long-term disability coverage is waived while you are receiving benefits.

Maximum Monthly Benefit

$5,000

Minimum Monthly Benefit

$100

Maximum Benefit Period

If you become disabled prior to age 62, benefits are payable to age 65, your Social Security Normal Retirement Age or 3.5 years, whichever is longest. At age 62 (and older), the benefit period will be based on a reduced duration schedule.

Partial Disability Benefits

If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits.

Definitions

Own Occupation

5 Years

Own Occupation Earnings
Test

99%

Definition of Monthly
Earnings

Monthly earnings for salaried employees is the gross annual salary in effect
immediately prior to the date disability begins, divided by 12. Monthly earnings
for hourly employees is the hourly rate of pay multiplied by the average
number of hours worked during the 12 month period immediately prior to
the date disability begins. If employed for part of the prior 12 month period,
monthly earnings is the hourly rate of pay multiplied by the average number of
hours worked.

Features

Vocational Rehabilitation
Benefit

If you become disabled and participate in the vocational rehabilitation
program, you will be eligible for a monthly benefit increase of 5%.

Survivor Benefit

If you pass away while receiving disability benefits, a lump sum equal to 3
times your monthly benefit will be paid to your eligible survivor.

Services

Hearing Discount Program

The Hearing Discount Program provides you and your family discounted
hearing products, including hearing aides and batteries. Call 1-888.534.1747 or
visit www.amplifonusa.com/mutualofomaha to learn more.