SHORT-TERM DISABILITY

Clinton County offers a voluntary Short-Term Disability insurance plan through Mutual of Omaha. 

Policy Number is GUC-405K

For customer service, please call: 1-800-877-5176

Eligibility Requirements:

You must be actively at work and able to perform all normal duties of your job to be eligible for coverage.

You must work a minimum of 30 hours per week to be eligible for coverage.

You must have elected Short-Term Disability coverage during enrollment and pay 100% of the premium through payroll deduction.

Benefits:

If you become disabled, there is an elimination period before benefits are payable.

Your benefits begin:

• After you have exhausted all of your sick leave; and
• No earlier than the 15th day of your disabling injury or illness

Weekly Benefit:

Your benefit is equivalent to 60% of your before-tax weekly earnings, not to exceed $1,000 per week, less other income sources, such as workers' compensation, OPERS disability.

The maximum benefit duration is 13 weeks.

Definitions:

Definition of Disability: The definition of disability or disabled mean that because of an injury or illness, a significant change in your mental or functional abilities has occurred, for which you are prevented from performing at least one of the material duties of your regular job and are unable to generate current earnings which exceed 99% of your weekly earnings from your regular job.  You can be totally or partially disabled during the elimination period.

Definition of Weekly Earnings: Weekly earnings is the average gross weekly income you receive from your employer for the year immediately prior to the onset of disability which is used to determine your benefit in the event of a claim.  Earnings may include bonuses, overtime, shift differential pay or other extra compensation.

Features:

Partial Disability: If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits, which will help supplement your income until you are able to return to work full-time.

Vocational Rehabilitation Benefit: If you become disabled and participate in the vocational rehabilitation program, which offers services that help you return to work and ability, you will be eligible for a weekly benefit increase of 10%.

Waiver of Premium: The premium for your short-term disability coverage is waived while you are receiving benefits.

Exclusions:

Pre-Existing Conditions: Disabilities that occur during the first 12 months of coverage due to a pre-existing condition during the 3 months prior to coverage are excluded.

Please find at the bottom of this page an application for Short-Term Disability in the event you are, or are going to become disabled.