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Mutual of Omaha Insurance Company Benefit and Elimination Period Options Benefit Period EliminationPeriod 6 month 14*, 30* or 60 day 1 year 30*, 60 or 90 day Disability Income Insurance 30*, 60 or 90 day 2 year Begin today. (Additional Benefit & Elimination Periods may be available.) *Not applicable in CA. 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. Underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Please Read Your Policy/Certificate Carefully This is a brief description of some of the facts about your coverage. Your policy/certificate sets forth in detail the rights and obligations of both you and Mutual of Omaha Insurance Company. Exceptions and limitations 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. TM Disability Income policy/certificate form D77/CD77 (in ID, OR and TX, Form-D77 Series-20296/Form-CD77 Series-20297, in OK, Form-D77 Series-20301) or state equivalent; rider form 0HT1M, 0HT2M, 0HT3M, 0HR7M, 0HR9M, 0AX4M, 0AX5M or state equivalent. These policies/certificates have exclusions, limitations and reductions. For costs and complete details of coverage, contact your licensed Mutual of Omaha Agent. This is used for the solicitation of insurance. MC31612_0605 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. 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. Disability Income Benefits Optional Benefits Total Disability Benefit During the first 24 months of a covered disability, we will pay you a monthly benefit once the 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. 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. 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. 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%, compounded annually. 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. Social Insurance Supplement (SIS) Provides an additional monthly benefit when you don’t qualify for social insurance such as Social Security or workers’ compensation. Waiver of Premium Benefit This provision waives 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. 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. 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. Potential Premium Discounts