|Elimination period||60 days, 90 days, 180 days, 365 days|
|Benefit period||2 year, 5 year, 10 year, Age 67|
|Definition of disability||Two-year Own Occupation, then Any Occupation|
|Partial/residual disability||Basic Partial Disability|
Proportionate disability benefit. Pays a partial benefit if you experience a loss of income due to injury or illness.
Presumptive total disability. Presumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.
Rehabilitation benefit. Vocational training and education to help return to work.
Survivor benefit. A lump sum benefit paid if insured dies while disabled.
Terminal illness benefit. Option to accelerate 12 months of payments if diagnosed with a terminal illness while disabled.
Transplant benefit. Pays a benefit if disability arises out of transplant.
Waiver of premium. No premiums once claim is approved.
Accident medical expense benefit. Reimbursement for medical expenses caused by accidents.
Cost of living adjustment. Increases the monthly benefit while on claim.
Critical illness benefit. Pays an additional lump sum if disability is caused by a critical illness.
Extended own occupation disability. Extends the True Own Occupation definition of disability beyond two years.
Extended proportionate disability benefit. Extends the partial disability benefit beyond two years.
Future insurability benefit. Allows future increases to the coverage without evidence of medical insurability.
Hospital confinement indemnity benefit. Reimburses for hospital rooms for injuries due to an accident.
Return of premium. Refunds a portion of the premiums paid, net of the benefits paid out, when the policy is terminated.
Social insurance supplement. Part of the monthly benefit could be reduced if you qualify for social security disability.
Available riders may vary by state and individual application.
Mutual of Omaha offers a strong contract with great underwriting, designed to protect all occupations.
Evaluation: 3.5 / 5
Application process: 2 / 5
Customer service: 4 / 5
Underwriting: 4 / 5
A.M. Best rating: A+
BBB rating: A+