Disability portfolio provides choice

Mutual of Omaha, recognizing the reality that Americans are going to work longer in the coming years, has expanded its disability insurance plans, creating a portfolio of DI options. Called “Disability Income Choice Portfolio,” the DI choices allow clients to purchase more than one type of coverage with a single application and underwriting. The portfolio’s four plans are:

• Short-term accident only
• Short-term accident/sickness
• Long-term accident/sickness
• Business operating expense

The features of the new plans include the following:

• Benefits available to age 67 (in a nod to longer working lives)
• Terminal illness benefit as a standard feature
• Own occupation protection for duration of benefit period
• Single application covers all portfolio products
• Express underwriting, 48 hours, on shortterm coverage

Included in the portfolio are many optional riders to make the products customizable:

• Hospital confinement
• Return of premium
• Future insurability
• Cost of living adjustment
• Social insurance supplement

For more information, visit www.mutualofomaha.com.