What is Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. 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: All full-time employees working 20+ hours/week
• Coverage through Mutual of Omaha
• Employee must be actively at work on the effective date
• Employee can start and stop using sick leave to get through the elimination period
• No health questions - EVERY YEAR!

How to File a Telephonic Claim

  1. Contact Mutual of Omaha at 800.877.5176

  2. Select Option 2

  3. Select Option 1


The Mutual Team sets up the claim and assigns it to a claims specialist.

The claims specialist verifies:
• Eligibility based on the contract
• All necessary documents have been received
• Payroll information, which may be requested from your employer
• Special handling/customized claims processing information


Follow-up contact is initiated by the claims analyst as follows:
• If a claim is pending, check-in calls are made weekly
• If a claim is approved, check-in calls are made every other week
• If a claim is denied, the claims specialist calls you to ensure all documentation and records have been received and to discuss the decision

Contact Campus Benefits help with filing a claim.

1 (866) 433-7661 option 5

Email: mybenefits@campusbenefits.com

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Phone: 866-433-7661 option 5

Fax: 770-394-0333

The Morgan County Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD).