DOUGHERTY COUNTY
SCHOOL SYSTEM
DISABILITY
What is Disability Insurance?
A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.
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Short Term Disability Plan Rules:
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Eligibility: All full-time employees working 20+ hours per week
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Coverage through Mutual of Omaha
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Employee must be actively at work on the effective date
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Employee can start and stop using sick leave to get through the elimination period
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No health questions EVERY YEAR!
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Long Term Disability Plan Rules
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Eligibility: All full-time employees working 20+ hours per week
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Coverage through Mutual of Omaha
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Employee must be actively at work on the effective date
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Employer Paid Core Plan paid for by Dougherty County School System (at no cost to you; enrollment is automatic)
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Buy-up Plan is paid by the employee (needs to be elected)
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Employee can start and stop sick leave to get through the elimination period
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No health questions EVERY YEAR!
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Contact Campus Benefits for assistance with claims.
Email: mybenefits@campusbenefits.com
Call 1-866-433-7661, option 5
How to File a claim over the phone​
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Contact Mutual of Omaha at 1 (800) 877-5176
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Select Option 2
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Select Option 1
The Mutual Team sets up the claim and assigns it to a claims specialist.
​​​The claims specialist verifies:
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Eligibility based on the contract​
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All necessary documents have been received
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Payroll information, which may be requested from your employer
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Special handling/customized claims processing information
Follow-up contact is initiated by the claims analyst as follows:
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If a claim is pending, check-in calls are made weekly
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If a claim is approved, check-in calls are made every other week
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If a claim is denied, the claims specialist calls you to ensure all documentation and records have been received and to discuss the decision
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If you need further assistance, please contact the Service Hub.