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Mutual of Omaha Insurance Company Did You Ever Stop To Think... Your Present Age Work Expectancy In Years $25,000 a year $40,000 a year $75,000 a year $100,000 a year 25 30 35 40 45 50 55 60 40 35 30 25 20 15 10 5 $1,885,031 1,511,552 1,189,385 911,482 671,759 464,973 286,597 132,728 $3,016,050 2,418,483 1,903,017 1,458,371 1,074,815 743,957 458,555 212,365 $5,655,094 4,534,656 3,568,156 2,734,445 2,015,278 1,394,919 859,791 398,185 Disability Income Insurance $7,540,126 6,046,208 4,757,542 3,645,926 2,687,037 1,859,891 1,146,388 530,914 Includes an annual 3 percent adjustment How Will You Protect Your Fortune? Where does your paycheck go? Mortgage/Rent $ Utilities Car Payment Food Other Monthly Total $ (monthly DI coverage needed) Please Read Your Policy/Certificate Carefully. This is a brief description of some of the facts about your coverage. This disability income policy/certificate is subject to specific exceptions and/or limitations that may affect your benefits. Please refer to your Summary/Outline of Coverage for more information including exceptions and/or limitations of your coverage. Your policy/certificate sets forth in detail the rights and obligations of both you and Mutual of Omaha Insurance Company. To inquire about your coverage or claims, please call us toll free: Customer Service 1-800-775-6000 Claims Service 1-800-775-1000 *Please Note: Exceptions and Limitations do apply. See your policy/certificate or Summary/Outline of Coverage for more details. Availability of policy/certificate benefits and benefit riders may vary by state. Disability Insurance underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175-0001 mutualofomaha.com Policy/Certificate Form D77/CD77 or state equivalent. (In ID, OR and TX, Policy Form-D77 Series 20296; in PA, Certificate Form CD77 Series 20297.) Rider Forms 0HT1M; 0HT2M; 0HT3M; 0HI4M Rev.; 0HI5M; 0HR7M; 0HR9M; 0AX4M/0AX5M/0CJ6M/0CJ7M or state equivalent. MC31964_0206 What makes you secure? Disability Income insurance from Mutual of Omaha Insurance Company provides a monthly cash benefit when you can’t work because of a covered accident or sickness. Although no one likes to think about the potential to become disabled, planning for the unexpected today will help ensure a financially secure tomorrow for you and your family. If You Became Disabled, What Would You Do? This coverage pays a monthly cash benefit when you are unable to work as a result of illness or injury. It helps you maintain the lifestyle you and your family have worked hard to achieve by providing money for things like your monthly rent or mortgage, utilities and other living expenses. Benefit and Elimination Period Choices Benefit Period 6 month 1 year 2 year 5 year 10 year to age 65 Elimination Period 14*, 30*, or 60 day 30*, 60 or 90 day 30*, 60, 90 or 180 day 60, 90, 180 or 365 day 60*, 90, 180 or 365 day 60*, 90, 180 or 365 day (not all occupations qualify) *Not applicable in CA The potential to become disabled is a reality you can’t How would you meet your expenses? afford to overlook or ignore. Chances are, you already If you became sick or injured and couldn’t work, how would you meet your monthly expenses? When disability interrupts or eliminates income, living expenses and other bills still remain. But think about the possible options for paying those expenses: have at least some life insurance. But according to the Bureau of Labor Statistics, although 89 percent of employees own group life insurance, less than half own 1 long-term or short-term disability through work. The Society of Actuaries reports that while a fatal injury occurs every five minutes, a disabling injury occurs every 1.5 seconds.2 And 50 percent of mortgage foreclosures are due to a disability – 16 times more than those resulting from premature death.3 Social Security Many people believe Social Security will cover them if they become disabled. But not everyone who becomes disabled qualifies for Social Security disability benefits – and it doesn’t take care of everything, even for those who do. Savings After your monthly expenses, how long will your savings last? Loans Could you even get approved for a loan in a situation like this? Selling assets Considered a last resort, most people don’t want to part with their possessions and rarely get full value for them when they do. Be prepared – protect your most valuable asset 1 Bureau of Labor Statistics, National Compensation Survey, March 2004 2 American Health Insurance Plans (AHIP) and the Society of Actuaries – Employee Benefit News, Jan. 1, 2005 3 The National Underwriter Life & Health-Financial Services Edition, 2005 Insuring your earning potential is every bit as important as insuring your life, house or car – you depend on your income to maintain your standard of living. No matter how comprehensive your medical coverage may be, it’s important to make sure you’ll have money available to help meet your financial obligations if you become disabled. And if you’re a small business owner, you need to be prepared to protect your personal and business needs. How would a disability affect the business you’ve worked so hard to build? Benefit Period The maximum length of time Total Disability benefits, Proportional Disability benefits or a combination of the two are payable. Elimination Period The initial number of Total Disability days, Proportional Disability days or a combination of the two that must pass before benefits are payable. Disability Income Benefits Include* Total Disability Benefit During the first 24 months of a covered disability, we will pay you a monthly benefit once your elimination period has been met if you are unable to perform the material and substantial duties of your own occupation. After the first 24 months, we will continue to pay this benefit if you are unable to perform the duties of any occupation for which you are reasonably suited. Proportional Disability Benefit If you are unable to work as much time or perform as many employment duties as usual due to sickness or injury, you’ll still receive a portion of your total disability benefit. Presumptive Disability Benefit Benefits are paid to age 65, regardless of your policy/certificate’s specified benefit period, if your disability involves the irrecoverable loss of your hearing, speech, sight or limbs. Rehabilitation Benefit If you’re participating in an approved vocational on-the-job program, trial work program or other rehabilitation program designed to help you return to gainful employment, we will continue to pay disability benefits while you train. Waiver of Premium Benefit This provision allows you to waive the required premium payments after you have been totally disabled for more than 90 days, and any premiums paid during this 90-day period will be refunded. Recurrent Loss Benefit Later losses due to sickness or injury which are entirely unrelated to what caused a prior loss, will be considered a new loss if, between losses, you’ve returned to full-time work and haven’t been eligible for Proportional Disability benefits for the 30 or more continuous days immediately preceding the new loss. If a later loss is the result of a prior loss, it will be considered a new loss if, between losses, your physician released you from medical treatment for your prior loss conditions and you haven’t been eligible for Proportional Disability benefits for at least six consecutive months. Survivor Benefit A lump-sum benefit equal to three times your monthly benefit will be paid to your beneficiary if you die during a period of covered disability. *Benefits may vary by state. Guaranteed Renewable A guaranteed renewable policy cannot be canceled nor have its terms, other than premiums, changed by the Company if premiums are paid when due. Premiums may only be changed by class and may be subject to approval by the appropriate regulatory agency. Optional Benefits* Return of Premium (ROP) Based on the option you choose, you’ll receive 50% or 80% of the premiums you’ve paid back after 10 years, less any claims paid. Guarantee of Insurability Option (GIO) You can raise your monthly benefit amount to keep pace with annual salary increases – regardless of your health. As your earning potential goes up, your benefit amount goes up with it. Cost-of-Living Adjustment (COLA) We understand the cost of living is always on the rise. Selecting this rider will increase your monthly benefit by 5 percent, compounded annually. Social Insurance Supplement (SIS) Provides an additional monthly benefit when you don’t qualify for social insurance such as Social Security or workers’ compensation. 60-Month Disability Definition You can extend the period of time you would receive total disability benefits for your job from two years to five, regardless of any income you may earn in another position. (Not all occupations qualify.) *Rider availability may vary by state. Potential Premium Discounts If you are a member of an approved association or a small business owner, you may qualify for a premium discount. Ask your Mutual of Omaha representative for more details.