DISABLITY

What is Short Term Disability Insurance?

A financial and family protection plan designed to assist with income replacement in the event an employee cannot work due to a pregnancy, accident, or illness.

What is Long Term Disability Insurance?

A financial and family protection plan designed to assist with income replacement in the event an employee cannot work due to an accident or illness; potentially for one's working lifetime.

 

Plan Rules:

  • Eligibility to all Full-time employees working 20+ hours/week

  • Coverage through Mutual Of Omaha

  • Employee must be actively at work on the effective date

  • No Health Questions - EVERY YEAR! 

  • Employees DO NOT have to exhaust sick leave. Employees can stop sick leave (if available) at the end of the elimination period.

    • The decision must be made at the beginning of leave.

  • The chart below is a sample of covered services. Please see the Plan Certificate for a detailed listing of services in their entirety.

Contact Mutual of Omaha - 1 (855) 993-6119

Group Number: G000581A

How to File a claim over the phone

  1. Contact Mutual of Omaha at 1 (800) 877-5176

  2. Select Option 2

  3. Select Option 1

 

The Mutual Team sets up the claim and assigns it to a claims specialist.

​​​The claims specialist verifies:

  • Eligibility based on the contract​

  • All necessary documents have been received

  • Payroll information, which may be requested from your employer

  • Special handling/customized claims processing information

Follow-up contact is initiated by the claims analyst as follows:

  • If a claim is pending, check-in calls are made weekly

  • If a claim is approved, check-in calls are made every other week

  • If a claim is denied, the claims specialist calls you to ensure all documentation and records have been received and to discuss the decision

If you need further assistance, please contact the Service Hub. 

Phone: 866-433-7661

Fax: 770-394-0333

The Dougherty County Schools Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD).