Crutches

DISABILITY

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a short period of time, 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.

Short-Term Disability 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!

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a longer period of time, 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.

Long-Term Disability Plan Rules:

  • Eligibility: All full-time employees working 20+ hours/week

  • Coverage through Mutual of Omaha

  • Core Plan premium covered by the Morgan County Charter School System

  • Employee must be actively at work on the effective date • Employee can start and stop using sick leave to get through the elimination period

  • Health Questions may be required after the initial enrollment period

Contact Campus Benefits help with filing a claim.

Phone: 1 (866) 433-7661 option 5

Email: MyBenefits@campusbenefits.com

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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