Disability Benefits

Long Term Disability

The LTD benefit pays 66 2/3% of an eligible employee’s monthly earnings to a maximum of $7,000 per month.  There is a 90 day waiting period. The District pays 100% of the premium.

• Long Term Disability Policy - Class II (PDF)
• Long Term Disability Policy - Class I (PDF)

Insurance Carrier: Mutual of Omaha
Mutual of Omaha Plaza
Omaha, NE  68175-0001

Short Term Disability

This benefit provides a source of income if you are unable to work due to a short-term illness or injury. To be eligible for this benefit, you must work at least 20 hours per week in a benefit eligible position.

• AFLAC Disability Income Protector Plan Summary (PDF)
• Benefit Options & Rates (PDF)

Plan Highlights

• Fourteen day waiting period for absences due to illness
  
• Immediate benefit for absence due to injury
  
• Maximum six month benefit
  
• Maximum $2,000 monthly benefit
  
• Benefit paid regardless of any other insurance

Exclusions/Limitations

• Cannot replace more than 80% of your gross salary
  
• One year waiting period if disability is caused by a pre-existing condition
  
• Ten month waiting period for pregnancy
  
• Excludes work injuries
  
• If paying for benefit with District allowance, benefit will be taxable (on amount of benefit received otherwise not taxable).

Insurance Carrier: AFLAC
Representative: Bob Waite, (760) 931-1115 or r_waite@us.aflac.com

 

This summary of benefits is informational only and is not a complete description of all applicable conditions. Coverage and plan offerings are subject to change in subsequent years pursuant to District policy.