28075 M28075

User Manual: 28075

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Mutual of Omaha Insurance Company

Disability Income Choice

Portfolio
Disability Income insurance underwritten by:

Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com

AGENT &
UNDERWRITING
GUIDE
DI Choice
DI Choice at Work
TM

M27879
M28075

when choices mattersm

Table of Contents
Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 1
Product Guidelines/Description . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 2
Accident Only Disability
n Benefits and Riders
Short-Term Disability
n Benefits and Riders
Long-Term Disability
n Benefits and Riders
Business Overhead Expense
n Examples of Qualified Applicants

Underwriting Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 3
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Program Overview
Individual Eligibility Requirements
Disability Choice at Work Eligibility Requirements
Business Submission Process

Associate Marketing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 4
n
n
n

Program Overview
Association Marketing Guidelines
Getting Started

General Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 5
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Minimum Benefit Amounts
Social Security Number
Foreign Travel
Non-English Speaking Applicants
Preferential Rates
State Sponsored Compulsory Disability Insurance
Tobacco Use
Hazardous Avocations

Medical Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 6
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Possible Underwriting Outcomes
Pre-Existing Medical Conditions
Scheduling
Paramedical Facilities
Blood Profile, Urinalysis and HIV Consent
Client Interview (PHI)
Attending Physician’s Statements (APS)
Notice of Underwriting Action (Pending Report)
Body Build Chart

For producer use only. Not for use with general public.

M28075

Financial Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 7
n

Definitions
n Salary
n Earned Income
n Unearned Income
n Overtime Income
n Self-Employed
n Net Worth
n Bankruptcy
n Depreciation
n Future Insurability Option
n Income Documentation
Income Qualification Table

Occupational Underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section 8
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General Description of Occupational Classes
Multiple Occupations
Maximum Benefit Amounts
Benefit and Elimination Periods
Special Restrictions
Home-Based Occupations
Premium Savings
Business Owner Upgrades
Uninsurable Occupations
Occupational Classification Manual

For producer use only. Not for use with general public.

Contact Information
Section 1

Application Submission
Records/Mailing Processing Center
9330 State Hwy. 133
Blair, NE 68008-6179
Fax: 402-997-1804
Policy Delivery Requirements
Fax: 402-997-1905
Pending Application Requirements
Fax: 402-997-1805

Mutual of Omaha
Licensing
Phone:
Hours:
Fax:
Email:

800-867-6873
8 a.m. to 4:30 p.m. Central time Monday – Friday
402-997-1830
contractsandappointments@mutualofomaha.com

Sales Support
Phone:
Hours:
Email:

877-617-5589 or 800-693-6083
7:30 a.m. to 4:30 p.m. Central time Monday – Friday
sales.support@mutualofomaha.com
n Appointments
n Contracting & Licensing
n Proposals
n Sales/Product Support

DI Service Office
Claims
Phone:
Hours:

800-268-6443
7 a.m. to 5 p.m. Central time Monday – Friday

Multi-Life Underwriting Coordinator
Phone:
Fax:
Hours:
Email:

877-778-0838
402-997-1893
8 a.m. to 4:30 p.m. Central time Monday – Friday
multilife@mutualofomaha.com
n Case Quoting
n Group Approval
n Multi-Life Inquiries

For producer use only. Not for use with general public.

Product Guidelines
Accident Only Disability
Benefit Period
(Months)
3, 6, 12, 24

Elimination Period
(Days)
0, 7, 14, 30, 60, 90

Issue Ages

Occupational Classes

18-61

6A, 5A, 4A, 3A, 2A, 1A, S

n
n

Section 2

Premium Structure
Individual – unisex
DI Choice at Work – unisex

Premium Savings
If your client is a member of a qualifying association or is self-employed, they may qualify for a premium savings.

Renewability
This product guarantees the right to continue the coverage until age 67. During that time, we cannot cancel the policy as long
as the required premiums are paid when due.

Maximum Benefit Amounts
The maximum monthly benefit amount available is $5,000.

Total Disability Income Benefit
If an injury prevents your client from performing the material and substantial duties of their regular occupation, and they
aren’t gainfully employed in another occupation, we will pay a monthly benefit once the elimination period has been met.

Partial Disability Benefit
If an injury prevents your client from performing the material and substantial duties of their regular occupation for more
than 50 percent of the time usually spent in the daily performance of such duties, we will pay 50 percent of the total disability
monthly benefit. These benefits commence after the elimination period has been satisfied and are payable for up to six
months.

Survivor Benefit
If your client dies while they are disabled, we will pay their beneficiaries a lump sum amount equal to three times the total
disability monthly benefit payable at the time of their death.

Recurrent Disability
If a related disability occurs within six months of returning to full-time employment, we will consider it a recurrent disability.
A new elimination period will not need to be satisfied and the same benefit period will continue.

Presumptive Total Disability
We will presume your client to be totally and permanently disabled if an injury results in their complete and irrecoverable
loss of hearing, speech, sight or use of both hands, both feet or one hand and one foot. We will pay your client total disability
benefits for the full length of the benefit period even if they return to work in another occupation. We also will waive the
elimination period.

Waiver of Premium
We will waive premium for the coverage and all optional riders after your client is disabled for 90 days. We also will refund any
premiums paid during this 90-day period.

For producer use only. Not for use with general public.

Workers’ Compensation
If your client is disabled by an injury or illness that is covered by state or federal workers’ compensation, employer’s liability
or occupational disease law, we will pay 50 percent of the benefit for which your client is eligible.

OPTIONAL RIDERS (Available only at issue)
Accident Hospital Confinement Indemnity Benefits Rider
This optional rider pays a daily room benefit of $125, $250, $350, or $500 (x2 ICU) for each day of hospital confinement due
to an accident. Benefits are payable for a maximum of 45 days for any period of confinement.
n
Underwriting of the rider will be subject to the Underwriting Rules for the Policy Form, Health Manual and
Occupational Guide
n
Issue ages 18-61
n
Only one Accident Hospital Confinement Indemnity Benefits rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
Neither the Association Group premium savings nor the Self-Employed premium savings applies to this rider

Accident Medical Expense Benefits Rider
This optional rider reimburses your client for $1,000, $2,000, $3,000 and $5,000 in medical-related expenses incurred per
accident. Only services and supplies received within 26 weeks from the date of the Injury are covered, excluding dental care
or treatment.
n
Total benefits payable for any one Injury are limited to the Maximum Benefit
n
Total lifetime benefits payable under this rider are limited to ten times the Maximum Benefit
n
The rider terminates on whichever of the following occurs first:
n
The date the policy terminates
n
The date total lifetime benefits paid under this rider equal ten times the Maximum Benefit
n
The date your client reaches age 67

*Features and riders may not be available with all policies or approved in all states.

For producer use only. Not for use with general public.

Short-Term Disability
Benefit Period
(Months)
3, 6, 12, 24

Elimination Period
(Days)
0/7, 7, 0/14,
14, 30, 60, 90

Issue
Ages
18-61 Individual
18-70 DI Choice at Work

Occupational Classes
6A, 5A, 4A, 3A, 2A, 1A, S

Premium Structure
n
n

Individual – sex distinct
DI Choice at Work – unisex

Section 2

Premium Savings
If your client is a member of a qualifying association, or self-employed, they may qualify for a premium savings.

Renewability
This product guarantees the right to continue coverage until age 67. During that time, we cannot cancel the policy as long
as the required premiums are paid when due. After age 67, coverage may continue to age 75 if working full time and the
necessary premiums are paid when due.
n
For DI Choice at Work coverage, after age 67, coverage may be continued for life if working full time and the necessary
premiums are paid when due

Maximum Monthly Benefit Amounts
The maximum monthly benefit amount available is $5,000.

Total Disability Benefits
If your client is unable to perform the material and substantial duties of their regular occupation due to injury or illness and is
not gainfully employed in another occupation, we will pay a monthly benefit once the elimination period has been met.

Partial Disability Benefit
If your client is able to perform the material and substantial duties of their regular occupation due to injury or illness for no more
than 50 percent of the time usually spent in the daily performance of such duties, we will pay 50 percent of the total disability
monthly benefit. These benefits commence after the elimination period has been satisfied and are payable for up to six months.

Terminal Illness Benefit
Your client has the option to accelerate up to 12 months of disability benefits if diagnosed with a terminal illness.

Presumptive Total Disability
We will presume your client to be totally and permanently disabled if sickness or injury results in their complete and
irrecoverable loss of hearing, speech, sight, or use of both hands, both feet or one hand and one foot. We will pay total
disability benefits for the full length of the benefit period even if they return to work in another occupation. We also will waive
the elimination period.

For producer use only. Not for use with general public.

Waiver of Premium
We will waive premium for the coverage and all optional riders after your client is disabled for 90 days. We also will refund any
premiums paid during this 90-day period.

Transplant Donor Benefits
We will pay benefits on the same basis as any other sickness if your client becomes disabled as the result of a transplant of part
of their body to the body of another person.

Rehabilitation Benefit
If your client is disabled and receiving disability benefits, they may be eligible to receive vocational rehabilitation services at
our expense.

Workers’ Compensation
If your client is disabled by an injury or illness that is covered by state or federal workers’ compensation, employer’s liability or
occupational disease law, we will pay 50 percent of the short-term disability benefit for which your client is eligible.

OPTIONAL RIDERS (Available only at issue)
Hospital Confinement Indemnity Benefits Rider
This optional rider pays a daily room benefit of $125, $250, $350, or $500 (x2 ICU) for each day of hospital confinement due
to an accident or sickness, subject to a one-day elimination period. Benefits are payable for a maximum of 45 days for any
period of confinement.
n
Underwriting of the rider will be subject to the Underwriting Rules for the Policy Form, Health Manual and Occupational
Guide
n
Issue ages 18-61
n
Only one Hospital Confinement Indemnity Benefits rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
Neither the Association Group premium savings nor the Self-Employed premium savings applies to this rider

Accident Medical Expense Benefits Rider
This optional rider reimburses your client for $1,000, $2,000, $3,000 and $5,000 in medical-related expenses incurred per
accident. Only services and supplies received within 26 weeks from the date of the Injury are covered, excluding dental care or
treatment.
n
Reimbursable amounts must be in excess of the Deductible Amount
n
Total benefits payable for any one Injury are limited to the Maximum Benefit
n
Total lifetime benefits payable under this rider are limited to ten times the Maximum Benefit
n
The rider terminates on whichever of the following occurs first:
n
The date the policy terminates
n
The date total lifetime benefits paid under this rider equal ten times the Maximum Benefit
n
The date your client reaches age 67

Critical Illness Benefits Rider
This optional rider pays a lump-sum benefit of $5,000, $10,000, $15,000 or $25,000 upon diagnosis of certain specified
diseases.
n
Underwriting of the rider will be subject to the Underwriting Rules for the Policy Form, Health Manual and Occupational
Guide
n
Adverse family history may affect rider availability
n
Issue ages 18-61
n
Only one Critical Illness Benefits rider may be attached to a given policy

For producer use only. Not for use with general public.

The rider will terminate on the earliest of the following:
n
When the Critical Illness Benefit is paid;
n
The date the policy terminates;
n
The renewal date following Age 67; or
n
The date we receive a written request to cancel this rider (in which case, the grace period will not apply).
Neither the Association Group premium savings nor the Self-Employed premium savings applies to this rider

Critical Illness Insured Conditions
n
n
n
n
n
n
n
n

Section 2

Alzheimer’s Disease
Blindness
Deafness
Heart Attack (Myocardial Infarction)
Life-Threatening Cancer (when first symptoms appear and first Diagnosis occurs more than 30 days after the Rider Date
or rider reinstatement date)
Major Organ Transplant
Paralysis
Renal Failure or
Stroke

Return of Premium Rider
This optional rider provides for the return of a specified percentage of premiums paid (80 percent or 50 percent)
less any claims paid at the end of each term period (usually 10 years). Premium and claims for the Critical Illness Benefits
rider, Hospital Confinement Indemnity Benefits rider, and Accident Hospital Confinement Indemnity Benefits rider are
excluded from the return of premium calculation.
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-57
n
Elimination Periods of 30, 60 and 90 days only
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider
n
Not available with the DI Choice at Work products

*Features and riders may not be available with all policies or approved in all states.

For producer use only. Not for use with general public.

Long-Term Disability
Benefit Period
(Years)

Elimination Period
(Days)

60, 90, 180, 365

5
10
To Age 67

60, 90, 180, 365
60, 90, 180, 365
60, 90, 180, 365

Issue Ages
18-61 Individual
18-70 DI Choice at Work
18-61
18-56
18-61

Occupational Classes
6A, 5A, 4A, 3A, 2A, 1A
6A, 5A, 4A, 3A, 2A, 1A
6A, 5A, 4A, 3A, 2A
6A, 5A, 4A, 3A

Premium Structure
n
n

Individual – sex distinct
DI Choice at Work – unisex

Note: Annual Policy Fee $50

Premium Savings
If your client is a member of a qualifying association, or self-employed, they may qualify for a premium savings.
n
Not available with the DI Choice at Work products

Renewability
This product is guaranteed renewable until age 67. During that time, the policy cannot be cancelled as long as required
premiums are paid when due. After Age 67 coverage may be continued to age 75 if working full time and the necessary
premiums are paid when due.
n
For DI Choice at Work coverage, after age 67, coverage may be continued for life if working full time and the necessary
premiums are paid when due

Maximum Monthly Benefit Amounts
The maximum monthly base benefit amount available is $10,000, or $12,300 if the Social Insurance Supplement Benefits
Rider is added. This amount may vary according to income and occupation.

Total Disability Benefits
If an injury or illness prevents your client from performing the material and substantial duties of their regular occupation,
and they are not gainfully employed in another occupation, we will pay a monthly benefit once the elimination period has
been met. After the first 24 months following the elimination period, if the maximum benefit period has not been met, we will
continue to pay a monthly benefit as long as they are unable to perform the material and substantial duties of any occupation
for which they are reasonably suited because of education, training or experience.

Proportionate Disability Benefit
If an injury or illness prevents your client from performing one or more of the material and substantial duties of their regular
occupation, or is unable to perform such duties for as much time as it would normally take to do them, and the loss of
monthly income is at least 20 percent, we will pay a percentage of the total disability monthly benefit that is proportionate to
their loss of income once the elimination period has been met. These benefits are payable for up to 24 months.

Survivor Benefit
If your client dies while disabled, we will pay their beneficiaries a lump sum amount equal to three times the total disability
monthly benefit payable at the time of their death.

Terminal Illness Benefit
Your client has the option to accelerate up to 12 months of disability benefits if diagnosed with a terminal illness.

Recurrent Disability
If a related disability occurs within six months of a return to full-time employment, we will consider it a recurrent disability. A
new elimination period won’t need to be satisfied and the same benefit period will continue.
For producer use only. Not for use with general public.

Waiver of Premium
We will waive premium for the coverage and all optional riders after your client is disabled for 90 days. We also will refund any
premiums paid during this 90-day period.

Section 2

Transplant Donor Benefits
We will pay your client benefits on the same basis as any other sickness if your client becomes disabled as the result of a
transplant of part of their body to the body of another person.

Rehabilitation Benefit
If your client is disabled and receiving disability benefits, they may be eligible to receive vocational rehabilitation services at
our expense.

Accident Medical Expense Benefits Rider
This optional rider reimburses your client for $1,000, $2,000, $3,000 and $5,000 in medical-related expenses incurred per accident.
Only services and supplies received within 26 weeks from the date of the Injury are covered, excluding dental care or treatment.
n
Reimbursable amounts must be in excess of the Deductible Amount
n
Total benefits payable for any one Injury are limited to the Maximum Benefit
n
Total lifetime benefits payable under this rider are limited to ten times the Maximum Benefit
n
The rider terminates on whichever of the following occurs first:
n
The date the policy terminates
n
The date total lifetime benefits paid under this rider equal ten times the Maximum Benefit
n
The date your client reaches age 67

For producer use only. Not for use with general public.

n
n

Only one Critical Illness Benefits rider may be attached to a given policy
The rider will terminate on the earliest of the following:
n
When the Critical Illness Benefit is paid;
n
The date the policy terminates;
n
The renewal date following Age 67; or
n
The date we receive a written request to cancel this rider (in which case, the grace period will not apply).
Neither the Association Group Discount nor the Self-Employed Discount applies to this rider

Critical Illness Insured Conditions
n
Alzheimer’s Disease
n
Blindness
n
Deafness
n
Heart Attack (Myocardial Infarction)
n
Life-Threatening Cancer (when first symptoms appear and first Diagnosis occurs more than 30 days after the Rider Date
or rider reinstatement date)
n
Major Organ Transplant
n
Paralysis
n
Renal Failure or
n
Stroke

Return of Premium Rider
This optional rider provides for the return of a specified percentage of premiums paid (80 percent or 50 percent)
less any benefits paid at the end of each term period (usually 10 years). Premium and claims for the Critical Illness Benefits
rider, Hospital Confinement Indemnity Benefits rider, and Accident Hospital Confinement Indemnity Benefits rider are
excluded from the return of premium calculation.
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-57
n
Elimination Periods of 60, 90, 180 and 365 days only
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider
n
Not available with DI Choice at Work products

Social Insurance Supplement Rider
This optional rider offers disability income insurance at more affordable premiums than base coverage since disability benefits
payable under this rider are offset dollar-for-dollar by other forms of social insurance.
n
Underwriting rules for the rider will be subject to the underwriting rules for the Policy Form, Health Section,
Occupational Section and Income Qualification Table
n
The same Benefit Period/Elimination Period options and Issue Age/Occupational restrictions that apply to the base
coverage also apply to the Social Insurance Supplement rider
n
The Elimination Period and the Benefit Period must be the same for the base plan and the SIS rider
n
Only one Social Insurance Supplement rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider
Note: New York and New Jersey SIS Riders: SIS (Social Insurance Substitute) Benefits riders provide total or proportionate
disability coverage in addition to the base policy’s benefits. However, these riders’ benefits will no longer be paid should
Social Insurance benefits pay for the loss being claimed.

Extended Own Occupation Disability Definition Amendment Rider
This optional rider extends the own occupation definition of disability applicable to the base and SIS rider past two years, to
the duration of the Benefit Period.
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-61
For producer use only. Not for use with general public.

n
n
n
n

Benefit Periods 5-Year, 10-Year, and To Age 67
Occupational Classes 6A, 5A, 4A, 3A and 2A
Only one Extended Own Occupation Disability Definition Amendment rider may be attached to a given policy
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
The Association Group premium savings and Self-Employed premium savings apply to this rider

Future Insurability Option Rider (FIO)

Extended Proportionate Disability Benefits Rider
This optional rider extends the maximum duration Proportionate Disability benefits can be received past 24 months, to the
duration of the Benefit Period.
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-61
n
Benefit Periods 5-Year, 10-Year, and To Age 67
n
Only one Extended Proportionate Disability Benefits rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider.

Cost-of-Living Adjustment Rider
This optional rider increases the disability benefits payable under the base policy and SIS rider by the lesser of:
n
The CPI-U (Consumer Price Index – All Urban Consumers)
n
5.0 percent compounded annually
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-61
n
Benefit Periods 2, 5, and 10-Year and To Age 67
n
Only one Cost-of-Living Adjustment rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 67
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider

*Features and riders may not be available with all policies or approved in all states.
For producer use only. Not for use with general public.

Section 2

This optional rider allows the policyholder to increase their base monthly benefit, at the policy’s annual renewal date, subject only
to proof of financial insurability. The maximum increase amount is up to two times the base benefit, but the total base plus FIO
monthly benefit may never exceed the maximum base monthly benefit for the policyholder’s occupational class. The maximum
allowable increase on any given notice date is 25 percent of the total disability monthly benefit (base only) at policy issue.
n
The underwriting for this rider is the same as the policy to which it is attached
n
Issue ages 18-51
n
Benefit Periods 2, 5, and 10-Year and To Age 67
n
Occupational Classes 6A, 5A, 4A, 3A, and 2A (government employees are not eligible)
n
Health Risk Classes Standard, Standard with Exclusion, “L” or “7” and “M” or “8” (see Medical Underwriting Guidelines,
Section 6)
n
Only one Future Insurability Option rider may be attached to a given policy
n
The rider terminates on whichever of the following occurs first:
n
The first renewal date following age 57
n
The date benefits have been increased to the maximum allowable
n
The date the policy terminates
n
The Association Group premium savings and Self-Employed premium savings apply to this rider

Business Overhead Expense
Benefit Period
(Months)
12, 18

Elimination Period
(Days)
30, 60, 90, 180 and 365

Issue Ages

Occupational Classes

20-59

6A, 5A, 4A, 3A, 2A, 1A

Premium Structure
n

Individual – sex distinct

Renewability
This product guarantees the right to continue the coverage until your client retires, sells their business or otherwise
discontinues their business or profession until age 65. During that time, we cannot cancel the policy as long as the required
premiums are paid when due.

Total Loss of Time Benefit
If your client is completely unable to engage in their occupation and is not gainfully employed in another occupation, we will
pay benefits for operating expenses incurred during this total loss of time.

Recurrent Total Loss of Time Benefit
If further loss of time results from injury or sickness for which benefits have already been paid, the maximum operating
expense benefit and deductible period will be restored after return to full-time work for a period of six consecutive months.

Waiver of Premium
Premiums will be waived for the coverage after total loss of time benefits have been paid continuously for 90 days.

Monthly Benefit Limits
n
n

Minimum:
Maximum:

$500
Occupation Class 6A, 5A, 4A
$15,000
Occupation Class 3A
$12,000
Occupation Class 2A
$ 6,000
Occupation Class 1A
$ 5,000
The Maximum monthly benefit may not exceed the average monthly operating expenses for the 12-month period
proceeding the date of the application

For producer use only. Not for use with general public.

Underwriting Programs
Program Overview
Mutual of Omaha Disability Income Choice portfolio provides products that fit producers that sell in the individual market or
the employer sponsored market. Below is a brief overview of the various products and programs to use as a quick reference to
select the best program to meet your client’s needs.
Disability Income
Choice Program
Options

Individual
(sex-distinct)

Who Pays the
Premium

Individual

Minimum
Group
Size and
Participation

N/A

Eligibility
30 hours
plus per
week
Ages 18-61

DI Choice at Work
(unisex)

Express
Standard Issue

3 months
of service

Full
Underwriting

3 or more
Employee Paid
(voluntary
participation)

Guaranteed
Standard Issue Employer Paid
(mandatory
participation)

Greater of 5
lives or 10%
participation
Minimum of
10 lives or 30%
participation
Minimum
of 10 lives
and 100%
participation

Ages 18-70
(18-61 for
AODI)

1 GSI question
+ 6 knock out
questions
6 months
of service

Maximum Benefit

Discount

Based on Product
and Income
Guidelines

Association
Group – 15%
SelfEmployed –
15%

AODI/
STD $5,000
LTD $12,300
BOE $15,000

Section 3

Fully
Underwritten

Underwriting

Discounts and
Maximum Benefits

20%

Up to $5,000

10% – 20%

Up to $8,000

15% – 25%

1 underwriting
question

DI Choice – Individual
Features four customizable disability products. All are offered with various premium allowance and program features that will
meet the needs of any of your individual clients.

Eligibility
n
n
n
n

n
n

Working at least 30 hours per week in Occupation Classes 6A, 5A, 4A, 3A, 2A, or 1A (Class S, for Accident Only Disability
and Short-Term Disability products only)
Age 18-61
Annual income of at least $15,000
Maximum Benefit
❍
Accident Only Disability – $5,000
❍
Short-Term Disability – $5,000
❍
Long-Term Disability – $12,300
❍
Business Overhead Expense – $15,000
Maximum Benefit based on Occupation
Premium Savings
❍
Association Groups – 15 percent
❍
Self-Employed – 15 percent
Employees who have been with their current employer less than three months, the following will be required:
❍
Letter from current employer or human resources department verifying employee disability programs and current
payment stub

For producer use only. Not for use with the general public.

Citizenship/Residency Requirements
❍
United States citizens permanently residing within the United States or its territories, or
❍
Foreign Nationals who have a Permanent Resident Visa and have lived continuously in the United States or its
territories for at least three (3) years
n
Proof of status will be required by submitting a copy of the permanent resident visa card and completing the
Foreign National/Travel Questionnaire
❍
Non-Resident Foreign Nationals or those persons anticipating residence in a foreign country, even temporarily, are
ineligible for disability income insurance
❍
Client traveling more than 90 days outside the U.S. or in areas with political unrest, poor economic conditions, lack
of modern living standards, or modern medical facilities are ineligible for coverage
Self-employed requirements
❍
Engaged in the same occupation as they were prior to becoming self-employed for at least 6 months, or
❍
Newly working or engaged in a different occupation than they were prior to becoming self-employed at least
12 months
Fully Underwritten Issue Requirements
❍
An individual’s medical history, financial information and occupation are all considered when being fully
underwritten. This may include a client interview, ordering Attending Physicians Statement (APS), Paramed or a
Blood & Urine profile. In addition, financial underwriting would include providing financial statements and records
depending on the type and level of coverage being applied for. Finally, your client’s occupation determines the
premium rate and amount of coverage available
❍
Streamlined Underwriting is available through Simplified Underwriting. Underwriting decision within 48 hours of
initial underwriting review provided the following conditions are met:
n
Applicant is in occupation class 6A, 5A, 4A, 3A, or 2A
n
For Accident Only Disability coverage: Applicant is age 55 or younger and medically standard
n
For Short-Term and Long-Term Disability coverage: Applicant is nontobacco, age 45 or younger, and medically
standard
n
No adverse information from the Medical Information Bureau
n
All application questions have been clearly and completely answered and required forms and financial
documents have been submitted with the application
Business Overhead Expense (BOE) Requirements
❍
May be issued to qualified professional and business persons working at least 30 hours per week in Occupation
Classes 6A, 5A, 4A, 3A, 2A, or 1A who incur operating expenses covered by this policy and have been in business for a
minimum of two years
❍
Age 20-59
❍
Persons operating businesses out of their own home are not eligible for this coverage
n
Examples of qualified applicants are:
n
Individuals, joint occupants, and members of a partnership
n
In the case of joint occupants and partners, the monthly benefit may not exceed the applicant’s share of
monthly operating expenses
n
Professional individuals who have incorporated solely for tax purposes and who, except for incorporation,
would also qualify as stated above
n
Officers of C corporations with not more than five employees including corporation officers, subject to the
following:
n
Each officer insured must be an active full-time, salaried employee of the corporation
n
The maximum monthly benefit may not include salaries paid to officers or stockholders of the
corporation
n
Coverage issued to any one officer may not exceed a share of expenses proportionate to that officer’s
share of outstanding stock
n
Citizenship/Residency Requirements:
n
United States citizens permanently residing within the United States or its territories, or
n
Foreign Nationals who have a Permanent Resident Visa and have lived continuously in the United States
or its territories for at least three (3) years
n
Proof of status will be required by submitting a copy of the permanent resident visa card, and
completing the Foreign National/Travel Questionnaire
n
Non-Resident Foreign National or those persons anticipating residence in a foreign country, even
temporarily, are ineligible to disability income insurance
n
Client traveling more than 90 days outside the U.S. or in areas with political unrest, poor economic
conditions, lack of modern living standards, or modern medical facilities are ineligible for coverage
For producer use only. Not for use with the general public.

Disability Choice at Work
Features the advantages of three underwriting programs on three customizable disability products. All are offered with
various allowances and program features that will meet the needs of any of your business clients. Targeting the small to midsized business market, DI Choice at Work builds on the success of the individually sold DI Choice to offer a product that is
competitive and unique in the employer sponsored market.

How do the DI Choice at Work programs work?
Employers decide who participates in the program – all employees or a select group of employees (i.e., all managers). They
also determine how they would like to fund the program.
n
Employer-paid (mandatory participation) – the employer pays the entire cost of the program – either for all employees or
a select group of employees
n
Employee-paid (voluntary participation) – the employer makes the coverage available to employees on a voluntary basis,
with each employee paying his or her own premiums, or the employer can contribute for a portion of the premium with
the remaining being paid by the employee

What are preferred target market characteristics?

Section 3

Look for small to mid-sized businesses with the following characteristics:
n
Sole proprietorship, Partnership, LLC, S Corporation, C Corporation
n
Limited geographic locations
n
Past success with voluntary insurance programs
n
Diverse distribution of age, gender, and occupation
Also, look for businesses with a desire to create employee loyalty and retain valued employees. They also should be:
n
committed to supporting the program
n
agreeable to on-site employee meetings and enrollment during company time
n
businesses that are looking to set themselves apart from their competitors by offering a more robust benefits package

What circumstances could affect the group offer?
A variety of factors may affect the Guaranteed Standard Issue and Express Standard Issue offer including:
n
existing coverage
n
participation
n
age distribution
n
gender diversity
n
occupation classes
n
business stability

What are the benefits of offering income protection at work?
Benefits to Employer

Benefits to Employees

Helps attract and retain quality employees by setting the
Helps protect the loss of income after an accident or sickness
company apart from competitors by offering a more robust
benefits package
Enhances a company’s reputation as a place people want
to work

Provides the ease of purchasing insurance at work and
paying through payroll deduction

Builds morale and develops a workforce of loyal employees

Allows them to take their policy with them, even if they leave
the company

For producer use only. Not for use with the general public.

Eligibility
n
n
n
n
n

n
n
n

Full-time employee working at least 30 hours per week in Occupation Classes 6A, 5A, 4A, 3A, 2A, or 1A (Class S, for
Accident Only Disability and Short-Term Disability products only)
Age 18-70
Age 18-61; Accident Only Disability
Annual income of at least $15,000
Maximum Benefit
❍
Accident Only Disability – $5,000
❍
Short-Term Disability – $5,000
❍
Long-Term Disability – $12,300
W-2 employee with continuous employment for the previous three months
United States citizen permanently residing within the United States or its territories for at least 3 years
Foreign Nationals who have a Permanent Resident Visa and have lived continuously in the United States or its territories
for at least three (3) years
❍
Proof of status will be required by submitting a copy of the permanent resident visa card and completing the Foreign
National/Travel Questionnaire
Non-Resident Foreign Nationals or those persons anticipating residence in a foreign country, even temporarily, are
ineligible for disability income insurance

Fully Underwritten Issue
n

This program is voluntary and available to all eligible full-time employees working 30+ hours per week. The underwriting
program allows the employee to customize coverage using the three associated disability products and optional riders.
The maximum benefit available is based on the employee’s occupation class and the Income Qualification Table
n
Three Eligible Employees – 20 percent premium savings
n
Ages 18-70 (age 61 for Accident Only Disability)
n
Group size for preapproval is limited to 3-250 eligible employees
n
W-2 employees who have been employed with the company for the previous three months
n
Individual Underwriting Guidelines Apply

Express Standard Issue
This program is voluntary participation for full-time eligible employees working 30+ hours per week that the employer deems
eligible. The program is available for those employers who still want to promote and support an income protection program
featuring Express Standard Issue underwriting and allowances for their employees, but not bear the expense of the associated
premiums
n
The minimum group size for this program is the greater of 5 lives or 10 percent participation
n
Employed with company for the previous six months
n
Available for annual open enrollment
n
The available premium allowances1 based on the group size are:
n
5-24 Eligible Employees – 10 percent
n
25-49 Eligible Employees – 15 percent
n
50+ Eligible Employees – 20 percent
n
The available maximum benefit based on the group characteristics are as follows:
n
5-24 Eligible Employees – up to $3,000
n
25-49 Eligible Employees – up to $4,000
n
50+ Eligible Employees – up to $5,000

Guaranteed Standard Issue
The Guaranteed Standard Issue (GSI) underwriting program is available to employers on both an employer-paid (mandatory)
and employee-paid (voluntary) basis. This underwriting program is designed to allow employers to select the employees who
are eligible to receive the coverage and the benefit configurations and riders available to them. The GSI program features only
one underwriting questions on a simple-to-complete application.
n
Employer-paid (mandatory participation): This program is provided by the employer to full-time employees working
30+ hours per week that the employer determines as eligible. The employer must pay 100 percent of the eligible
employees’ premiums
n
The minimum group size for this program is 10 eligible employees and 100 percent of these eligible employees must
receive the coverage
Allowances assume a 12/12 pre-existing condition provision. A pre-existing condition is a condition for which medical advice, diagnosis,
care or treatment was recommended by or received from a Physician within the 12 months prior to effective date. We will not pay benefits
for loss resulting from a pre-existing condition, unless such loss occurs after 12 months has expired.

For producer use only. Not for use with the general public.

Employed with company for the previous six months
The available premium allowances1 based on the group size are:
n
10-24 Eligible Employees – 15 percent
n
25-49 Eligible Employees – 20 percent
n
50+ Eligible Employees – 25 percent
n
The available maximum benefit based on the group characteristics are:
n
10-24 Eligible Employees – up to $3,000
n
25-49 Eligible Employees – up to $5,000
n
50+ Eligible Employees – up to $8,000
n
At the discretion of the underwriter, an Annual Benefit Increase (ABI) may be offered to the group:
n
Provisions of the option include:
❍
Annual Benefit Increase allows for existing participants and new eligible employees to increase their monthly
benefit on the anniversary date of the program provided their income has increased
❍
This option is available for mandatory employer paid cases only
❍
Premiums will be based on the applicant’s current attained age
❍
Updated census must be provided to support increase
Requirements and information regarding a group’s ABI program will be outlined in the Offer Letter.
Employee-paid (voluntary participation): This program is voluntary participation for full-time eligible employees
working 30+ hours per week that the employer deems eligible. The program is available for those employers who still
want to promote and support an income protection program featuring Guaranteed Standard Issue underwriting and
allowances for their employees, but not bear the expense of the associated premiums
n
The minimum group size for this program is 10 eligible employees with the greater of 10 employees or 30 percent of
the eligible employees accepting coverage
n
Employed with company for the previous six months
n
The available premium allowances2 based on the group size are:
n
10-24 Eligible Employees – 10 percent
n
25-49 Eligible Employees – 15 percent
n
50+ Eligible Employees – 20 percent
n
The available maximum benefit based on the group characteristics are as follows:
n
10-24 Eligible Employees – up to $3,000
n
25-49 Eligible Employees – up to $4,000
n
50+ Eligible Employees – up to $5,000
n
n

n
n

If an employee wants to buy coverage outside of the limits of the Guaranteed Standard Issue or Express Standard Issue
coverage the employee will complete an additional Fully Underwritten Issue application for any of the additional benefits
Eligible new hires are allowed to purchase after completing six months of continuous, full-time employment. Dependent
upon the selection of the employer, enrollment may be available during the 60 days following the six months of employment
or during the annual enrollment period
If an employee is terminated or leaves the business, the coverage is completely portable and may be taken with them as
they leave. When porting employer-paid cases, the employee can elect to be billed directly without any coverage change

Allowances assume a 3/12 pre-existing condition provision. A pre-existing condition is a condition for which medical advice, diagnosis, care
or treatment was recommended by or received from a Physician within the 3 months prior to effective date. We will not pay benefits for loss
resulting from a pre-existing condition, unless such loss occurs after 12 months has expired.

Allowances assume a 12/12 pre-existing condition provision. A pre-existing condition is a condition for which medical advice, diagnosis,
care or treatment was recommended by or received from a Physician within the 12 months prior to effective date. We will not pay benefits
for loss resulting from a pre-existing condition, unless such loss occurs after 12 months has expired.

For producer use only. Not for use with the general public.

Section 3

Additional Details

Business Submission Process
Individual
Mutual of Omaha provides a disability income insurance application that agents will find easy to use. All applications and required
forms can be found on our Sales Professional Access (SPA) website.

Trial Inquiries
n
n
n
n

Although we do not accept trial applications, fax or mail all available information to the Underwriting Department with
appropriate authorization where necessary, for a preliminary opinion based on the information provided
Underwriting has the final approval authority and any offer is subject to full underwriting, including confirmation and clarification
of the information provided
Inquiries can also be made using the underwriting template in Sales Professional Access (SPA)
Trial Inquiries can be emailed to the following: underwriter.health@mutualofomaha.com

Complete and accurate information is critical in providing timely service and underwriting decisions. When completing the
medical portion of the application, provide details of medical history.

Application Submission
Brokerage applications should be submitted to the following address or fax number:
Application Submission
Mutual of Omaha
Records/Mailing Processing Center
9330 State Hwy 133
Blair, NE 68008-6179
Fax (402) 997-1804
Agency Applications should be submitted through the Division Office

Application Processing
Incomplete Applications
If we are unable to complete our underwriting requirements with 45 days of the application date, we must close the file as
incomplete and return premiums paid. A letter of explanation is sent to the agent and the applicant to inform them that
insurance is not in force as a result of an incomplete application.
When outstanding underwriting requirements are received, we outline our preliminary offer in writing to the agent, subject to
a new application.
Time Service
Our goal is to make underwriting decisions on the majority of applications within 15 days of receipt of the application.
Simplified Underwriting should be complete in 48 hours.
Applications issued other than applied for
If we need to adjust the benefits, add a premium increase or an exclusion rider or make other adjustments to the policy, we
will notify you of our handling prior to issue to confirm that the policy can be placed as offered.
Declined Applications
When an application is denied, a letter with a refund check in the amount of any premiums paid is sent to the applicant.

Application Completion Requirements
n
n

n
n

Applications must be completed in ink. Typewritten applications bearing the applicant’s handwritten signature will be accepted
While in the presence of the applicant, agents must ask all of the application questions of the applicant and complete
the application with full, explicit and accurate answers. “N/A” is not an acceptable application answer; where applicable,
please use “no” or “none” instead
Any corrections or alterations to the application must be made in the presence of, or initiated by the applicant, not the
agent. Changes made with corrective tape or fluids will not be accepted
No application will be accepted that has been altered or corrected with regard to the signature of the proposed insured,
the date signed, or the licensed agent’s signature
For producer use only. Not for use with the general public.

n
n

Backdating on the application will not be accepted
The applicant’s home and business phone numbers must be completed on the application to expedite the personal history
interview that may be necessary
n
The PHI can be initiated before the application is submitted
Applications must be completed based upon the applicants resident state unless otherwise stipulated
The Agent must be licensed in the signing state

HIPAA Compliance
The health information authorization form must be completed at the time of application as required by the Health Insurance
Portability and Accountability Act of 1996. The authorization form is included in the application packet.

Replacements
n
n
n
n

Replacement of present insurance must conform to the replacement regulations for the applicant’s state of residence
You should advise the proposed insured to continue premium payments on any present insurance until underwriting is
completed and a policy is issued
Make sure the proper forms are fully completed, paying special attention to the replacement questions, agent certification,
the existing policy number and issuing company
Replacement forms can be obtained from Sales Professional Access (SPA)

Initial Premiums
Initial premiums should be collected at the time the application is taken and should accompany the application to the home
office. If money is collected, give the Conditional Receipt to the applicant and advise them that coverage is effective subject to
the terms of the receipt.
Mutual of Omaha does not accept individually billed monthly business. If an application is submitted on a quarterly, semiannual or annual basis without money or without the full first premium, the application is underwritten and, when the policy
is issued, premium is to be paid within 30 days.
When the full premium on C.O.D. cases, or the balance of the premium on a partial pay case, is not received in the home office
within 30 days from the date of issue, the policy is void and the applicant is notified by letter.
Bank Service Plan (BSP)
It’s easy and convenient to use the Bank Service Plan to pay premiums on new and existing policies. Have your client complete
the authorization in the application. Send a voided check with the application. For in-force policies, send the form listing the
policies already in force and a voided check. If your client has more than one policy, we will establish a convenient combined
payment plan for all the policies to keep them in force with one monthly authorized payment.
We will establish contact with the bank. The withdrawal will then appear on the client’s bank statement.
Direct Bill BSP Modal Factors
Annual

1.0000

Semiannual

0.5150

Quarterly

0.2600

Monthly (BSP)

0.0875

For producer use only. Not for use with the general public.

Section 3

Premium Processing

Policy Issue and Delivery
Delivering the policy
Delivering the policy in person is important to building relationships with your clients. It also ensures that they receive their
policies in a prompt and reliable manner. We ask all of our agents to deliver policies in person.
If any change in health occurs after the application date, communicate this information to the Underwriting department
immediately. You must not deliver a policy when a change in health has occurred. Please contact Underwriting for further
instructions.
Policies Issued as Other Than Applied For
A policy is conditionally issued as a counteroffer of insurance when the policy cannot be issued as applied for and coverage
is rated modified and/or conditions are excluded. Polices issued other than as applied for may require an amendment rider
which will be sent with the policy package.
Delivering a Policy Issued Other Than Applied For
n
The requested form must be signed and the first full premium paid for the policy to become effective
n
Any exclusion riders or benefit-limitation riders will be shown on the policy schedule
n
Witness and secure the signature of the applicant
n
Delivery and acceptance of the conditionally issued policies should be completed promptly. Contact Underwriting if
special circumstances require an extension of delivery time
n
The policy will be rescinded if the signed amendment rider is not received in the home office within 30 days
n
Any rescissions will be explained by letter to the applicant and any premiums paid refunded. A copy of this letter will be
sent to you. The policy and unsigned forms should be returned to the home office

Fully Underwritten Issue
n
n
n
n
n
n

No group approval required for eligible groups
No census required
Three eligible employees required
Group size for preapproval is limited to 3-250 eligible employees
W-2 employees who have been employed with the company for the previous three months
Requires employers endorsement of program (Acknowledgement Form)

Step 1: Create a Proposal
Complete a case quote using Mutual of Omaha’s WinFlex Multi-Life Proposal Software.

Step 2: Submit applications and appropriate forms
n
n
n

Submit one signed copy of Employer Acknowledgement form with initial DI Choice at Work applications
Complete Payroll Deduction and List Bill Group section if applicable
Submit your multi-life applications using your normal channel
Mail to: Records/Mailing Processing Center
9330 State Hwy. 133
Blair, NE 68008-6179
Fax:
402-997-1804

For producer use only. Not for use with the general public.

Disability Choice at Work

Guaranteed Standard Issue and Express Standard Issue
Mutual of Omaha provides a disability income insurance application that agents will find easy to use. All applications and required
forms can be found on our Sales Professional Access (SPA) website.
Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

Request a
Preliminary
Proposal

Complete
the Group
Approval
Process

Group
Approval

Deliver
Offer
Letter

Implementation
Call

Enrollment

➤

Submit
Applications
to Mutual of
Omaha

Getting Started
Step 1: Request a Preliminary Proposal
n
n
n

Census Requirements
An employee census in an excel format must be submitted along with the Group Request Form. A complete census
(M27573) requires the following information for all Eligible Employees:
n
Employee name or ID
n
Date of birth/Age
n
Annual salary
n
Annual bonuses (Previous 2 years, if available)
n
Commissions (Previous 2 years, if available)
n
Job title/Duties
n
Gender
n
Employment start date

Step 2: Submit the Group for Approval
If not already complete, submit the Multi-Life Group Approval Request Form (M27546) along with an updated complete
census (M27573) to Mutual of Omaha’s Multi-Life Department for review:
Mail to: Mutual of Omaha Insurance Company
Multi-Life Underwriting – 6th Floor
Mutual of Omaha Plaza
Omaha, NE 68175
Fax:
402-997-1893
Email:
multilife@mutualofomaha.com

Step 3: Group Approval
Within one to two business days, the Multi-Life Underwriting Coordinator will review the Group Approval Request Form and
respond with an approval, decline, or request additional information. If the group is approved, an Offer Letter containing the
details of the program will be sent to you and your marketer or division office.

Step 4: Deliver the Offer Letter
The offer letter should be delivered immediately to the employer. If necessary an updated proposal should accompany the
offer letter. Review the letter and proposal with the business and return the signed Offer Letter along with any other required
documents to the Multi-Life Underwriting Coordinator within 30 days.
If the group is utilizing List Bill/Payroll Deduction, please complete the New Employer Questionnaire (M27566) and return
the completed form to the Multi-Life Underwriting Coordinator.
The group cannot be activated until the signed Offer Letter is returned to the Multi-Life Underwriting Coordinator.
For producer use only. Not for use with general public.

Section 3

Submit your request for a proposal by completing required sections on the Group Request Form. A complete census
must accompany the request
Send an email to multilife@mutualofomaha.com
Fax 402-997-1893
Call 877-778-0838

Step 5: The Implementation Call
Upon receipt of the signed Offer Letter, the Multi-Life Underwriting Coordinator will issue an invitation for an
Implementation Call. The call may include:
n
The Multi-Life Underwriting Coordinator
n
The agent and/or marketer/division office
n
The organization’s benefits administrator
During the call, the implementation process will be discussed, including billing set-up, enrollment period, common effective
date, and application requirements. Following the call, the Multi-Life Underwriting Coordinator will assign a group number
and send an Implementation Memo to you or your marketer/division office via email. The Implementation Memo will
contain the details of the program.

Step 6: Enrollment
Once you complete the Implementation Call, you can begin taking applications on the date selected for enrollment to begin.
n
Applications can be solicited during the 60-day enrollment period specified during the Implementation Call
n
All policies issued prior to the pre-determined common effective date will receive the same effective date. Any application
approved after the common effective date will receive an effective date coinciding with the next billing cycle
n
Hold applications until you reach participation percentage required
n
Submit your multi-life applications using your normal channel
Mail to: Records/Mailing Processing Center
9330 State Hwy. 133
Blair, NE 68008-6179
Fax:
402-997-1804

Administrative Information
Application Completion Requirements
n
Applications must be completed based upon the applicant’s resident state unless otherwise stipulated in the Offer Letter
n
The agent must be licensed in the signing state
n
Applications must be received in our home office within the 30 days following the end of the open enrollment period. All
applications must be signed within the open enrollment period. No applications will be taken after the enrollment period
has expired except in the previously explained circumstances involving eligible new hires and new entrants into eligible
employee groups

For producer use only. Not for use with general public.

Billing Information
Billing Options
The agent/marketer/division office and the Multi-Life Underwriting Coordinator will work together to set up a billing plan to
meet the needs of the multi-life group.
n
List Bill/Payroll Deduction – Available for all eligible employees. A minimum of three participants and a completed
Employer Questionnaire (M27566) including an updated census (M27573) are required to set up a list bill/payroll
deduction case. All employees using list bill/payroll deduction must elect the same premium mode. The following
premium modes are available for list bill/payroll deduction:

Modal Factors

9-Pay

0.1167

10-Pay

0.1.050

11-Pay

0.0955

18-Pay

0.0583

19-Pay

0.0553

20-Pay

0.0525

21-Pay

0.0500

22-Pay

0.0477

23-Pay

0.0457

24-Pay

0.0438

25-Pay

0.0420

26-Pay

0.0404

Section 3

PRD Modes

Direct Bill – Available to all participants on a monthly, quarterly, semiannual or annual basis. Monthly billing must be set
up through automatic checking account deduction

Premium Modes

Modal Factors

Annual

1.0000

Semiannual

0.5150

Quarterly

0.2600

Monthly (BSP)

0.0875

Premium Collection
Premium should not be collected with the multi-life application. This applies to all direct bill and list bill/payroll deduction
cases. As no premium is collected with the application, conditional coverage is not available for DI Choice at Work cases.
Split Billing
Cases may exist where the employer will only be paying a portion of the employee’s premium. For example, the employer may
choose to pay for the basic benefit level and the employee may choose to voluntarily buy-up additional coverage. To determine
the additional premium, two separate illustrations will need to be run and the difference can be calculated. A bill will be sent
to the employer for the entire premium.

For producer use only. Not for use with general public.

Association Marketing
Program Overview
Association Marketing is a cost-effective and efficient way to target groups of individuals with a common occupation or
interest – allowing you to build your business through the power of third-party endorsements. More than 600 associations
nationwide endorse Mutual of Omaha.
An Association must have bylaws and dues-paying members to qualify. A 15 percent premium allowance is available if the
insured or eligible spouse is a member of a qualifying association.

Association Marketing Guidelines
Membership Requirements
n
n
n

Local associations must have at least 150 members
State associations must have at least 250 members
Multi-state or national associations must have at least 1,000 members

Membership Qualifications
To qualify as an association, an organization must:
n
Have been in existence for at least two years
n
Have bylaws and officers
n
Have annual dues-paying members who vote on officers and matters of policy

Section 4

Desirable Characteristics
Associations with the following concerns or attributes will not be eligible for preferential rates and/or no-cost benefit
enhancements:
n
Has no affinity
n
Lack reliable membership records
n
Formed for the purpose of obtaining insurance
n
Formed to promote political views
n
Formed for purely social purposes
n
Formed for commercial venture
n
Primarily consists of members with hazardous occupations
n
Credit unions/banks

For producer use only. Not for use with general public.

Getting Started
Association Approval Process
Step 1

Step 2

Submit electronic
(or paper) proposal
request and
association bylaws to
home office for review

➞

Allow five to seven
business days for review
and notification of initial
approval or rejection

Agent approaches
association and
makes presentation
to association
representatives

Step 3

➞

Agent develops
marketing plan and
association director signs
Affiliation Agreement
(M18100_0911) and
marketing plan

Association agrees to
proceed

Step 4

Step 5

Signed Affiliation
Agreement and
Marketing Plan
submitted to home
office for review

➞

Final approval
and Association
Marketing number
provided in five
business days

The home office reserves the right to final approval or disapproval of all association group requests
based on product, underwriting and marketing assessment of each group’s fit for our program.

Additional Details on Approved Associations
1.

All applications are individually underwritten according to the specific product’s underwriting guidelines.

An individual applicant must be a member of the association for at least three months before applying for coverage to be
eligible for any discount or benefit enhancement.
n

The Association Marketing verification form (M27646) must be submitted with the application to qualify for the
preferential rate or no-cost benefit enhancement

Agents should not encourage individuals to enroll in an association for the purpose of receiving a discount or
enhancement

Due to employer-benefit laws, employees of members are not eligible for coverage using Association Marketing discounts
or benefit enhancements (although they may be eligible for coverage through individual or DI Choice at Work).

To keep the group open and eligible for preferential rates and/or no-cost benefit enhancements, the agent must issue
the number of applications agreed to in the marketing plan within the agreed timeframe. If the required number of
applications is not issued within that period, the group will be evaluated for closure to new business. After the initial
evaluation period, there must be five issued applications every six months to keep the group open.

All approved marketing materials that may be used to communicate with the association and its members can be found
on SPA.

The agent is responsible for any promotional expenses incurred in working with the association.

If you have additional questions on this program or need further assistance, please email Association Marketing at
association.marketing@mutualofomaha.com or call (800) 624-5554.
For producer use only. Not for use with general public.

General Underwriting Guidelines
This section is designed to provide you with comprehensive information regarding our eligibility and employment
requirements and medical guidelines.
For specific product information, please see the associated product section. In addition, you can talk directly to the
underwriting staff. Contact your DI underwriting team for underwriting questions or pending case status at 1-800-715-4376.

Minimum Benefit Amounts
The minimum monthly benefit amounts required are shown in the table below. These minimums may be satisfied with a
combination of base and SIS coverage.
Minimum Monthly Benefit
Amounts/Increments

Minimum Benefit
Minimum Increment

Accident Only
Disability
$300
$100

Short-Term
Disability
$300
$100

Long-Term
Disability
$300
$100

Business Operating
Expense
$500
$50

Social Security Number
Applicants are considered for insurance by providing a valid Social Security number issued by the United States Social
Security Administration.

Foreign Travel
Applicants who travel to foreign countries frequently, for more than 90 days annually, and/or those who travel to areas with
political unrest, poor economic conditions, lack of modern living standards or modern medical facilities, are ineligible for
disability income insurance coverage.
Applicants who are working outside of the United States are also ineligible for disability income insurance coverage.

Non-English Speaking Applicants
Section 5

Applicants who do not speak the English language are considered for insurance provided the Agent serves as a 3rd-Party
translator and completes Form MLU25947, Agent’s Certification for Non-English Speaking Applicants. Reasonable efforts
will be made to assist non-English speaking applicants in completing the telephone interview and other underwriting
requirements.

Product Combinations
Applicants may not apply for combinations of Elimination Periods and Benefit Periods using multiple accident and sickness
policies with the intent to create total benefits where the Elimination Period is less than the minimum allowed for a particular
Benefit Period. Example:
n
Applying for a 30-day Elimination Period with a 1-year Benefit Period on one application and applying for a 365-day
Elimination Period with a To Age 67 Benefit Period on another application
n
If applying for Accident Only plan and a Sickness/Accident plan, the elimination period for the Accident only plan
must be 14 days or less

State Sponsored Compulsory Disability Insurance
In some states residents are eligible for compulsory disability insurance programs with benefit periods ranging from 26 to
52 weeks. The benefits vary by state and will be considered when determining benefit amount eligibility.

For producer use only. Not for use with general public.

Tobacco Use (Short-Term Disability and Long-Term Disability only)
Individuals who have used tobacco products within 12 months of application completion or those with positive nicotine
(cotinine) urinalysis test results require tobacco user rates. Tobacco products include cigarettes, cigars, pipes, chewing tobacco,
and nicotine gum and patches. Tobacco user rates are 25 percent higher than nontobacco rates. Tobacco users who stop using
tobacco products for 12 consecutive months will qualify for a rate reduction. A nontobacco questionnaire and urinalysis will
need to be completed.

Hazardous Avocations
Persons who engage in hazardous avocations on an amateur basis may still be eligible for disability income coverage.
Avocations such as
n
automobile/motorcycle/boat racing,
n
hang gliding,
n
skydiving/parachuting,
n
scuba diving,
n
rock climbing,
Similar activities should be identified during the application process and an Avocation Questionnaire (included in the
application kit) must be completed. Typically, an amendment rider excluding the avocation will be attached to the policy if the
application is approved.

For producer use only. Not for use with general public.

Medical Underwriting Guidelines
Long-Term Plan
10-Year and To
Age 67
Benefit Period

Business
Overhead
Expense

Interview

Simplified
Underwriting¹

Interview,
Physical Data,
Blood and Urine

Interview

$5,100-$8,000

Interview,
Physical Data,
Blood and Urine

Interview,
Long Form
Paramed, Blood
and Urine

Interview,
Physical Data,
Blood and Urine

$8,100 and Above

Interview,
Long Form
Paramed, Blood
and Urine, EKG²

Total Monthly
Benefit Amount

Accident Only
Disability

$300-$3,000
$3,100-$5,000

Simplified
Underwriting¹

Short-Term
Disability

2-Year and 5-Year
Benefit Period

Simplified
Underwriting¹
Interview
Interview

¹Underwriting decisions within 48 hours of initial underwriting review provided the following conditions are met:
n Applicant is in occupation class 6A, 5A, 4A, 3A, or 2A
n For Accident Only Disability coverage: Applicant is age 55 or younger and medically standard
n For Short-Term and Long-Term Disability coverage: Applicant is nontobacco, age 45 or younger, and medically standard
n No adverse information from the Medical Information Bureau
n All application questions have been clearly and completely answered and required forms and financial documents have been
submitted with the application
²Age 45 and over only

Possible Underwriting Outcomes
n
n

n
n
n

For producer use only. Not for use with general public.

Section 6

Standard
Impairment Rate-Up of L (25 percent), M (50 percent),
N (75 percent) and/or a BL (Benefit Limitation) for a specific condition which will exclude such condition from coverage
unless the loss begins at least 12 months after the policy effective date
Impairment Rate-Up of 7 (25 percent), 8 (50 percent), 9 (75 percent) and a # (Disease Elimination Rider) for a specific
condition which will exclude such condition from coverage for as long as the rider is on the policy
BL (Benefit Limitation) for a specific condition, which will exclude such condition from coverage unless loss begins
12 months after the policy effective date
# (Disease Elimination Rider) for a specific condition which will exclude such condition from coverage for as long as the
rider is on the policy
Reject – No coverage available

Pre-Existing Medical Conditions
Applicants who are acutely ill, currently disabled, have surgery pending, or are recuperating from an illness or injury are
generally not eligible for coverage. The underwriter will evaluate applicants with residual illnesses or injuries. Applicants with
controlled, chronic conditions with appropriate medical management may be eligible for coverage.
Below is a list of some of the conditions that will result in automatic rejection of an application for disability income coverage.
AIDS/HIV/AIDS Related Complex (ARC)
Alcohol or Drug Abuse/Dependence – treatment within the past 5 years
Bipolar or Manic Depression
Cardiomyopathy
*Chronic Fatigue Syndrome
Connective Tissue Disorders – Scleroderma and Polymyositis
*Coronary Artery Bypass or Angioplasty
*Coronary Artery Disease – ACC after 6 months
*Diabetes – Type I, insulin-dependent, or juvenile
*Gastric By-pass
*Hepatitis – Present and/or chronic
Multiple Sclerosis
Muscular Dystrophy
*Myocardial Infarction/Heart Attack
Narcolepsy
Parkinson’s Disease
Pending evaluation or Unconfirmed diagnosis
*Polycystic Kidney Disease
*Pregnancy
*Rheumatoid Arthritis
*Persons with these conditions may be considered for accident only coverage.

Coverage may be available for applicants with the following pre-existing medical conditions; however, their benefits may be
limited. Medical records will be required in order to make the final underwriting determination.
n

Diabetes – Type II, non-insulin dependent
n
Coverage will be limited to a maximum monthly benefit of $2,000 with a 90-day waiting period, and a 2-year
benefit period. Policy will have an exclusion rider for “Diabetes Mellitus and/or Complications” and a rate increase
of 75 percent

Mental/Nervous Conditions (Anxiety, Depression, Stress, etc.)
n
Short-Term Disability: Coverage will be limited to a maximum monthly benefit of $3,000 with a 60-day waiting
period, and a 24-month benefit period. Policy will have a rate increase
n
Long-Term Disability: Coverage will be limited to a maximum monthly benefit of $3,000 with a 90-day waiting
period, and a 5-year benefit period. Policy will have an exclusion rider for “Neurosis, Psychoneurosis, Mental or
Emotional, Personality or Psychotic Disorder of Any Kind”

Scheduling
After the application is completed, please schedule all required examinations with approved paramedical examination
facilities. Paramedical facilities complete blood profile, urinalysis and long-form examinations.

For producer use only. Not for use with general public.

Paramedical Facilities
Mutual of Omaha’s approved paramedical facilities have blood kits and the expertise to complete our blood profile
requirements. All blood specimens must be drawn using Portamedic or APPS blood kits and mailing instructions. One of
these paramedical facilities must be used when a blood profile is required or requested. All specimens are sent to the Clinical
Reference Laboratory (CRL) for testing.
n
n
n
n
n

Portamedic 1-800-765-1010
American Para Professional Systems (APPS) 1-800-635-1677
ExamOne 1-877-933-9261
Exam Management Services, Inc. (EMSI) 1-800-872-3674
Superior Mobile Medics 1-800-898-3926

Blood Profile, Urinalysis and HIV Consent
Mutual of Omaha may require a blood profile or urinalysis. See the Underwriting Requirements Chart for specific guidelines.
Laboratory tests may be requested for lesser amounts. An HIV consent form may be required in some states, consent forms
will be included in the application packet.

Client Interview (PHI)
A client interview will be required for certain benefit amount/benefit period combinations. They may also be ordered at the
underwriter’s discretion. The interview should be completed at the time of the application or shortly thereafter. Please call
1-800-775-3000 and follow the prompts to complete a disability interview. The interviews are recorded and generally take only
10 to 20 minutes, depending on the applicant’s health history. Clients should be prepared to provide physician and medication
information.

Attending Physician’s Statements (APS)
In order to render the most favorable decision possible, an APS may be required. The home office will initiate the request
by contacting the doctor’s office or medical facility in advance to confirm the availability of the medical records, cost and
requirements for release. The home office will advise you of our request and periodically follow-up with the medical facility.
Timely release of the requested APS depends on the quality of the contact information and the degree of cooperation afforded
by the medical facility. The agent and applicant can play a crucial role in securing the APS by contacting the medical facility to
reiterate the urgency and significance of obtaining the necessary information.

Notice of Underwriting Action (Pending Report)
Notice of Underwriting Action correspondence is available on SPA to confirm the underwriting requirements that are
necessary to underwrite the application. For assistance in viewing this report, please contact our sales support team. If you are
a Mutual of Omaha career agent, please call 1-877-617-5589. All other agents, please call 1-800-693-6083.

Section 6

For producer use only. Not for use with general public.

Build Chart
The build chart used for disability income insurance categorizes applicants into different risk classes according to their Body
Mass Index (BMI). The BMI is a number calculated from a person’s weight and height. BMI provides a reliable indicator of
body fatness for most people and is used to screen for weight categories that may lead to health problems.
Use the Build Chart by first finding the applicant’s height in the left-hand column and then looking across the row to find the
applicant’s weight in pounds. The column heading above their weight will determine their appropriate risk class.
BMI

16.4

16.5-32.4

32.5-34.9

35.0-37.4

37.5-39.9

40.0

Substandard Rating
Height

Decline

Standard

25%

50%

75%

Decline

4'8"

<74

74-145

146-156

157-167

168-178

179+

4'9"

<76

76-150

151-161

162-173

174-184

185+

4'10"

<79

79-155

156-167

168-179

180-191

192+

4'11"

<82

82-160

161-173

174-185

186-198

199+

5'0"

<84

84-166

167-179

180-192

193-204

205+

5'1"

<87

87-171

172-185

186-198

199-211

212+

5'2"

<90

90-177

178-191

192-205

206-218

219+

5'3"

<93

93-183

184-197

198-211

212-225

226+

5'4"

<96

96-189

190-203

204-218

219-232

233+

5'5"

<99

99-195

196-210

211-225

226-240

241+

5'6"

<102

102-201

202-216

217-232

233-247

248+

5'7"

<105

105-207

208-223

224-239

240-255

256+

5'8"

<109

109-213

214-230

231-246

247-262

263+

5'9"

<112

112-219

220-236

237-253

254-270

271+

5'10"

<115

115-226

227-243

244-261

262-278

279+

5'11"

<118

118-232

233-250

251-268

269-286

287+

6'0"

<122

122-239

240-257

258-276

277-294

295+

6'1"

<125

125-246

247-265

266-284

285-302

303+

6'2"

<129

129-252

253-272

273-291

292-311

312+

6'3"

<132

132-259

260-279

280-299

300-319

320+

6'4"

<136

136-266

267-287

288-307

308-328

329+

6'5"

<139

139-273

274-294

295-315

316-337

338+

6'6"

<143

143-280

281-302

303-324

325-345

346+

6'7"

<146

146-288

289-310

311-332

333-354

355+

6'8"

<150

150-295

296-318

319-340

341-363

364+

6'9"

<154

154-302

303-326

327-349

350-372

373+

6'10"

<158

158-310

311-334

335-358

359-382

383+

6'11"

<162

162-318

319-342

343-366

367-391

392+

M26141

For producer use only. Not for use with general public.

Financial Underwriting Guidelines
Section 7

Definitions
Salary
Salary (wage) is defined as compensation received by an employee for services performed. A salary is a fixed sum paid for a
specific period of time worked, such as weekly or monthly. (Federal Tax Form W-2)

Earned Income
Earned income is income earned from employment, which would include wages, salary, tips, bonuses and other
compensation. Earned income is reported on a gross, or before-tax basis. Significant changes or fluctuation in earned income
may require clarification to determine the appropriate benefit amount available.

Unearned Income
Unearned (passive) income is defined as income that does not come from employment. Sources of unearned income might
include income from rental properties, dividends, interest, royalties, and capital gains. One-half of any amount of unearned
income in excess of $1,500 a month will be considered as other disability benefits at the time of underwriting.

Overtime Income
Overtime income is defined as income received for working in excess of a 40-hour workweek. Overtime income should not be
included when calculating monthly benefit amount eligibility.

Self-Employed
Self-employed is defined as an applicant who is operating as a sole proprietor, independent contractor, partnership or closely held
corporation and has 20 percent or more ownership in a business.

Net Worth
Net Worth is defined as the value of a person’s assets, including cash, minus all liabilities. The amount by which the
individual’s assets exceed their liabilities is considered the net worth of that person. In order to determine net worth for
underwriting purposes, the primary personal residence and personal belongings may be ignored. Benefits may be limited for
individuals with net worth in excess of $2.5 million.

Bankruptcy
No coverage can be offered until two years after an applicant’s bankruptcy discharge.

Depreciation
Depreciation is defined as a non-cash expense that reduces the value of an asset as a result of wear and tear, age, or
obsolescence. Depreciation of assets such as furniture and equipment can be considered when determining the monthly
benefit amount for a Business Operating Expense (BOE) policy. For self-employed individuals applying for disability coverage,
we will add back 50 percent of the depreciation amount shown on the most recent financial statement, and consider this
amount as earned income.

Future Insurability Option
When exercising the Future Insurability Option proof of income must accompany the supplemental application.
n
Not available with Accident Only Disability and Short-Term Disability
n
Not available with DI Choice at Work

Business Overhead Expense
One year of taxes will be required with benefits up to $5,000 per month. Two years of taxes will be required with benefits of
$5,000 or more per month.

For producer use only. Not for use with general public.

Income Documentation DI Choice – Individual

5-Year, 10-Year and
Up to 2-Year
To-Age-67 Benefit Period Benefit Period

Employee Non-Owner
Base Monthly
Benefit Amount

Employee
Non-Owner

Under $5,000

Not Required

Over $5,000

First 2 Pages of Last
2 Years 1040 Form
and W2 Form

Self-Employed

5-Year, 10-Year and
Up to 2-Year
To-Age-67 Benefit Period Benefit Period

Base Monthly
Benefit Amount

Sole Proprietor

Partner in
Partnership

Up to $3,000

Corporation
Shareholder

S-Corp Shareholder

Not Required

Under $5,000

Last Year’s
Schedule C

Last Year’s 1065, Last Year’s 1120,
K1, Schedule E K1, Schedule E and
and W2 Form
W2 Form

Last Year’s 1120S, K1,
Schedule E and W2 Form

Over $5,000

Last 2 Years
Schedule C

Last 2 Years 1065, Last 2 Years 1120,
K1, Schedule E K1, Schedule E and
and W2 Form
W2 Form

Both Pages of 1120S, K1
and W2 Form or
Schedule E and W2 Form

Business Overhead Expense
Base Monthly
Benefit Amount

Sole Proprietor

Partner in
Partnership

Corporation
Shareholder

S-Corp Shareholder

Under $5,000

Last Year’s
Schedule C

1065 and
K1 Form

1120 and K1 Form

1120S and K1 Form

Over $5,000

Last 2 Years
Schedule C

Last 2 Years 1065
and K1 Form

Last 2 Years 1120
and K1 Form

Last 2 Years 1120S
and K1 Form

The last two years’ financial statements are required for individuals applying for self-employed premium savings.

Note: N
et income (income less business expenses prior to taxes) is used for self-employed individuals; Gross income is used
for salaried individuals.
Financials required can include other forms as determined by Underwriting.
For producer use only. Not for use with general public.

Income Qualification Table

The table is based on annual gross (before tax) earned income. The maximum base and maximum SIS benefits available do
not sum to equal the total maximum benefit available. This gives clients the flexibility to maximize either base or SIS benefits
in designing the income protection plan that fits their needs.
When looking up values in the table, move to the next lower Annual Earned Income value.
(Example: $42,500 of earned income would use the $41,000 table values)
NOTE: For Accident Only Disability and Short-Term Disability plans, refer to the Total Maximum Monthly Benefit column
since these coverages have no SIS benefits.
Annual Earned
Income

$15,000
17,000
19,000
21,000
23,000
25,000
27,000
29,000
31,000
33,000
35,000
37,000
39,000
41,000
43,000
45,000
47,000
49,000
51,000
53,000
55,000
57,000
59,000
61,000
63,000
65,000
67,000
69,000
71,000
73,000
75,000
80,000
85,000
90,000
95,000
100,000
105,000
110,000
115,000
120,000
125,000
130,000
135,000
140,000
145,000
150,000
155,000
160,000
M26139_1208

Maximum Base
Monthly Benefit

$700
700
700
800
800
800
800
900
900
1,100
1,100
1,200
1,200
1,300
1,400
1,400
1,500
1,600
1,700
1,700
1,800
1,900
2,000
2,100
2,200
2,200
2,300
2,400
2,400
2,600
2,600
2,800
3,000
3,300
3,400
3,600
3,800
4,000
4,300
4,400
4,600
4,700
4,900
5,100
5,300
5,400
5,600
5,700

Maximum SIS
Monthly Benefit
with NO Dependents

$400
500
500
700
800
900
1,000
1,000
1,100
1,100
1,200
1,200
1,300
1,300
1,400
1,400
1,500
1,500
1,500
1,500
1,600
1,600
1,600
1,600
1,600
1,600
1,700
1,700
1,700
1,700
1,700
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800

Maximum SIS
Monthly Benefit
with Dependents

$400
500
500
700
900
1,000
1,200
1,200
1,300
1,300
1,400
1,400
1,500
1,600
1,600
1,700
1,800
1,800
1,800
1,900
1,900
1,900
2,000
2,000
2,000
2,100
2,100
2,100
2,200
2,200
2,200
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300

For producer use only. Not for use with general public.

Total Maximum
Monthly Benefit

$1,000
1,100
1,200
1,300
1,400
1,600
1,700
1,800
1,900
2,000
2,100
2,200
2,300
2,400
2,500
2,600
2,800
2,900
2,900
3,000
3,100
3,200
3,300
3,400
3,500
3,600
3,700
3,800
3,900
4,000
4,000
4,300
4,500
4,700
4,800
5,000
5,200
5,400
5,600
5,700
5,900
6,000
6,200
6,300
6,500
6,600
6,800
6,900
35

Section 7

The income qualification table shows the maximum benefit amounts available for a given income level for Accident Only
Disability, Short-Term Disability and Long-Term Disability policy forms. The maximums are intended to replace a sufficient
percentage of a policyholder’s income to allow them to sustain their standard of living during a disability while not completely
removing the financial incentive to return to work.

Income Qualification Table (continued)
Annual Earned
Income
$165,000
170,000
175,000
180,000
185,000
190,000
195,000
200,000
210,000
220,000
230,000
240,000
250,000
260,000
270,000
280,000
290,000
300,000
310,000
320,000
330,000
340,000
350,000
360,000
370,000
380,000
390,000
400,000
410,000
420,000
430,000
440,000
450,000
460,000
470,000
480,000
490,000
500,000

Maximum Base
Monthly Benefit
$5,800
6,000
6,100
6,300
6,400
6,600
6,700
6,800
7,000
7,300
7,600
7,800
8,000
8,200
8,400
8,700
8,900
9,100
9,300
9,500
9,700
9,900
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000

Maximum SIS
Monthly Benefit
with NO Dependents
$1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800

Maximum SIS
Monthly Benefit
with Dependents
$2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300
2,300

Total Maximum
Monthly Benefit
$7,000
7,200
7,300
7,400
7,500
7,700
7,800
7,900
8,100
8,300
8,600
8,800
9,000
9,200
9,400
9,600
9,800
10,000
10,200
10,400
10,600
10,800
11,100
11,300
11,500
11,700
11,900
12,200
12,300
12,300
12,300
12,300
12,300
12,300
12,300
12,300
12,300
12,300

Coordination with Group Long-Term Disability
In order to determine the approximate benefit amount that can be offered to clients with group disability insurance, multiply
the Total Maximum Monthly Benefit column of the Income Qualification Table by 1.20, then subtract the total group
disability monthly benefit amounts they are eligible for. This amount may vary based on whether the group coverage is
employer- or employee-paid and occupational class.

State Disability Insurance (SDI)
Some states offer state disability benefits to their working residents. In an effort to coordinate individual disability benefits
with the state coverage, policies for all individuals that are eligible for New Jersey, Rhode Island and California state disability
coverage will include a Benefit Reduction Rider. Since this rider reduces benefits payable due to coverage provided by the state,
premiums are also reduced for your clients. The calculated state disability benefit will be subtracted first from the base benefit,
then from the SIS benefit (if any) during the state disability insurance benefit period. A minimum of a $100 monthly benefit
will remain after application of the Benefit Reduction Rider (i.e., after applying the Benefits Reduction Rider at claim, your
client’s monthly benefit cannot be reduced to an amount less than $100).
Also, individuals eligible for New Jersey, Rhode Island, Hawaii and California state disability will not be eligible elimination
periods of less than 30 days or benefit periods less than 12 months (24 months in California).

For producer use only. Not for use with general public.

Occupational Underwriting
These occupational guidelines are designed to assist in the proper occupational classification of applicants for disability income
insurance. The classifications are based on factors such as
n
n
n
n
n

Some occupations are not specifically listed in the Occupational Manual. In these cases, please refer to the General Description
of Occupational Classes below or contact the Underwriting Support Unit at 1-800-693-6083.
It is important that applicants be classified accurately according to these guidelines since occupational class determines the
premium rate and the amount of coverage that is available. As a result, each applicant’s specific duties must be accurately
described, as well as the percentage of time each of the duties is performed. This information, more frequently than the job
title, will be the basis for a fair occupational classification. The occupational classes contained in the manual are guidelines
only and Underwriting reserves the right to adjust these classifications if specific job duties or circumstances suggest
such action is warranted.
In certain cases, additional requirements are included in the job description, such as minimum income tests. Unless otherwise
noted, applicants who cannot comply with these additional requirements are generally not eligible for coverage, but check
with an underwriter if you’re not sure.
Occupations are grouped by general industry. To locate an occupation, look first alphabetically for the job description and, if
unable to locate, then check by industry.

General Description of Occupational Classes
Class 6A

Contains only the most stable executive and professional occupations where work is performed in an office setting
with no environmental hazards, no direct supervision of persons with manual responsibilities and minimal travel.

Class 5A

Contains executive and professional occupations where work is performed in an office setting with no
environmental hazards, no direct supervision of persons with manual responsibilities and minimal travel.

Class 4A

Contains other executive and professional occupations where most work is performed in an office or
clinical setting with minimal environmental hazards and limited direct supervision of persons with manual
responsibilities.

Class 3A

Contains a variety of managerial, professional, and technical occupations including many health care occupations.
The majority of work is performed in a setting with minimal environmental hazards.

Class 2A

Contains occupations that require more movement and travel or more manual dexterity or light physical effort.
Some environmental hazards may be present in the work setting.

Class 1A

Contains occupations with a greater emphasis on moderate to heavy physical labor and more direct exposure to
workplace hazards.

Class S

Contains occupations with an emphasis on moderate to heavy physical labor and significant exposure to
workplace hazards. These occupations may be eligible for short-term coverage if the employee is covered under
state or federal workers’ compensation, employers’ liability or other occupational disease law.

Class N

Contains occupations that are uninsurable due to excessive exposure to workplace hazards and relatively poor
earned income or job stability.

M26043_0811

For producer use only. Not for use with general public.

Section 8

degree of education, training, and skill demanded by the occupation,
level of manual dexterity and physical effort required,
environmental hazards to health and safety present in the workplace,
employment stability,
economic factors specific to the occupation/industry, and
past company claims experience

Multiple Occupations
In the event an applicant has more than one occupation, the occupational classification will be based on the occupation
involving the greatest level of environmental hazards. Income from the part-time or seasonal occupations will generally not be
considered when determining benefit eligibility.

Maximum Benefit Amounts
The maximum base benefit amounts available by occupational class are shown in the table below.
Maximum Base Benefit
Occupational
Class

Accident Only
Disability

Short-Term
Disability

Long-Term
Disability

6A, 5A, 4A
3A
2A
1A
S

$5,000
$5,000
$5,000
$5,000
$5,000

$10,000
$8,000
$6,000
$5,000
N/A

Business
Overhead
Expense
$15,000
$12,000
$6,000
$5,000
N/A

Accident Only Disability, Short-Term Disability and Long-Term Disability are subject to additional or program limitations
based on insurable income that are contained in the Income Qualification Table section of this guide.
The maximum BOE monthly benefit may not exceed the average monthly operating expenses for the 12-month period
preceding the date of the application.

Special Restrictions for Certain Types of Employees
Some employees are eligible for unusually generous disability income benefits through their employer. As a result, individual
disability income benefits need to be carefully coordinated with these employer-sponsored plans before the policy is issued in
order to avoid overinsurance.
Below are some of the restrictions that will apply to these types of employees.
Railroad Employees:
Railroad employees are eligible for:
n
A maximum Base Monthly Benefit Amount of $500, and
n
A minimum 90-day Elimination Period, and
n
A maximum 1-year Benefit Period
Government Employees (Federal, County, State and Municipal):
Government employees are eligible for:
n
For benefit periods of 12 months or less, coverage can be issued the maximum base benefit allowed per the Applicant’s
income, and
n
For benefit periods of two years or more, a maximum Base Monthly Benefit Amount of 20 percent of earned income up
to $2,000. The SIS benefit rider may be added in addition to the base benefit under the Long-Term Accident and Sickness
plan, and
n
A minimum 30-day Elimination Period, and
n
Applicants are ineligible for the Future Insurability Option Rider, and
n
Benefits applied for will be coordinated with other disability coverages currently in force
In-Home Daycare Providers
A copy of last two years of taxes will be required to verify net income.
Persons covered under CALSTRS or CALPERS
No coverage available.

For producer use only. Not for use with general public.

Teachers in the state of New York:
n
For benefit periods of 10 years or to age 67, maximum of $500 base benefit and $1,200 SIS benefit. No FIO rider available
n
For benefit periods of 5 years or less, no restrictions

Business Owner – Individual Home-Based Occupations
Business owners and self-employed professionals working from home must conform to the eligibility requirements for selfemployed individuals in the General Underwriting Guidelines (Section 5).
Salaried (W2) employees and telecommuters working from home are normally eligible for disability income coverage.

Section 8

Premium Savings for Self-Employed Individuals
Self-employed individuals who meet the following eligibility criteria may qualify for premium savings of 15 percent.
n
n
n
n
n

Not available with Business Overhead Expense coverage
Minimum two years in business, and
A minimum income of $32,000 after expenses and before taxes for each of the past two years, and
Is not a member of a health care occupation
Income documentation required

Self-employed individuals who do not qualify for premium savings must conform to the eligibility requirements for selfemployed individuals in the General Underwriting Guidelines (Section 5) and must provide the income documentation
indicated in the Financial Underwriting Guidelines (Section 7).

Business Owner Upgrades – DI Choice at Work only
Qualified business owners who meet the following criteria will be eligible to be written at one occupation class higher than
otherwise available:
n
Minimum two years in business
n
Minimum income of $32,000 after expenses and before taxes for each of the past two years
n
Is not a member of the health care profession
n
Has at least two other employees that are issued coverage under the DI Choice at Work Program Additional income
information can either be added to the census or detailed under separate cover. This includes:
n
Percent of Ownership – minimum 20 percent
n
Gross Business Income
n
Business Expense/Deductions

For producer use only. Not for use with general public.

Uninsurable Occupations
Some occupations are uninsurable due to excessive exposure to workplace hazards and relatively poor earned income or job
stability. Here is a partial list of uninsurable occupations:
Acids/Alkalis/Carcinogens/Explosives Worker
Actor/Actress/Entertainer
Air Traffic Control Specialist
Animal Handler/Trainer
Armed Forces Personnel
Asbestos Removal Worker
Astrologer
Bartender
Bicycle Messenger
Bridge/Tunnel Construction Worker
Busboy/Busgirl
Chicken/Poultry Cleaner/Cutter/Dresser/Processor
Circus/Carnival Worker
Crew Member of Cargo/Passenger Ship
Crop Duster
Day Trader
Diver
Explosive Handler/Blaster
Fashion Model
Fishermen
Flight Attendant/Steward/Stewardess
Floor Trader (Stocks/Bonds/Commodities/Futures/Options)
Freelance Advertiser/Artist/Writer
Garbage/Sanitation Truck/Race Car/Taxicab/Bus/Limousine Driver
Horse Breaker
Hunting/Fishing/Mountain Climbing/River Guide
Martial Arts Instructor
Merchant Marine
Musician/Singer (Night Club/Restaurant/Lounge/Tavern)
Nanny/Au Pair
Packinghouse Worker
Painter (Exterior Non-Residential)
Pawn Broker
Private Detective
Private Duty Nurse (Outside Hospital)
Professional Athlete/Jockey
Professional Gambler
Rendering Plant Worker
Retired Person
Rodeo Performer
Roofer
Sandblaster
Ski Instructor
Steeplejack
Student (Full-Time)
Stuntlady/Stuntman
Tattoo Artist/Body Piercing
Temporary/Seasonal Worker
Tower Erector
Tree Trimmer/Tree Surgeon
Waiter/Waitress
Window Cleaner (More Than 2 Stories)
For producer use only. Not for use with general public.

Occupational Classification Manual
OCCUPATIONAL CLASSES
Occupational Title
ACCOUNTANT
Certified Public Accountant
4-Year Accounting Degree
Auditor
Other Accountant/Bookkeeper

Commercial Artist/Graphic Artist/Commercial Designer
(Salaried Only)
Self-Employed/Freelance
ASTROLOGER

For producer use only. Not for use with general public.
For producer use only. Not for use with general public.

6A
6A
5A
4A
6A
5A
5A

Section 8

ACTUARY
FSA/FCAS
ASA/ACAS/EA
Others
ACUPUNCTURIST
At Least 3 Years Experience and $35,000 Income in Each of Last 2 Years
Other Licensed
ADVERTISING
Account Executive (At Least $75,000 Income)
Account Executive (Other)
Art Director/Graphic Artist/Copywriter
Freelance
AGENT (See Insurance Industry)
AGRICULTURE (See Farming and Ranching)
ANESTHESIOLOGIST (See Health Care – Physicians)
ANIMALS
Attendants/Trainers
Animal Handlers (Zoo)
Kennel/Daycare Operator (Not in Home)
Pet Groomer/Pet Shop Worker
Dog/Cat Breeder
Other Zoo Workers
APARTMENT HOUSE MANAGER
Not Living on Premises, No Maintenance Work
Living On or Off Premises with Maintenance Work
ARCHITECT
Bachelor’s Degree (90% Office and Consulting)
Draftsman (90% Office and Consulting)
Others
ARMED FORCES PERSONNEL
ART DEALER/GALLERY OWNER/MUSEUM CURATOR
At Least $45,000 Income in Each of Last 2 Years
ARTIST
Cartoonist/Illustrator (Salaried Only)

Occupational Class

3A
2A
5A
4A
4A
N

N
1A
1A
N
1A
3A
1A
6A
5A
4A
N
4A

3A
3A
N
N
41

OCCUPATIONAL CLASSES
Occupational Title
ASTRONOMER (See SCIENTIST)
ATHLETICS
Professional or Collegiate Athletics
Athletic Director
Coach
Trainer
Professional Athlete/Jockey
ATTORNEY (See LEGAL)
AUTHOR (See WRITER)
AUTOMOBILE DEALERSHIP
New
General Manager/Finance Manager/Business Manager
Salesperson/Sales Manager (At Least $35,000 Income in Each of
Last 2 Years)
Salesperson/Sales Manager (Less than $35,000 Income in Each of
Last 2 Years)
Washer/Polisher
Parts/Supply Clerk (See CLERICAL)
Service Manager (See Service/Repair/Installation –
Automobile)
Used
General Manager/Finance Manager/Business Manager
Salesperson/Sales Manager (At Least $35,000 Income in Each of
Last 2 Years)
Salesperson/Sales Manager (Less than $35,000 Income in Each of
Last 2 Years)
Washer/Polisher
Parts/Supply Clerk (See CLERICAL)
Service Manager (See Service/Repair/Installation –
Automobile)
AVIATION
Ticket Agent/Administrative Personnel
Pilot/Officer, Commercial Scheduled Airline (Minimum 60-day
Elimination Period)
Pilot/Officer, Corporation or Executive Carriers (Minimum 60-day
Elimination Period)
Pilot/Officer, Nonscheduled Airline/Charter (Minimum 60-day
Elimination Period
Freight or Baggage Handler/Bellhop/Porter
Air Traffic Control Specialist
Crop Duster/Other Pilots
Flight Attendant/Steward/Stewardess
Air Marshal (See LAW ENFORCEMENT)
BAIL BONDSMAN
Office Duties Only
All Others

For producer use only. Not for use with general public.

Occupational Class

3A
3A
2A
N

4A
4A
3A
1A

3A
3A
2A
1A

4A
2A
2A
1A
1A
N
N
N
2A
N

OCCUPATIONAL CLASSES
Occupational Title

BIOCHEMIST (See SCIENTIST)
BLACKSMITH/FARRIER/HORSESHOER
BOTANIST (See Scientist)
BRICK WORKER (See Construction – General)
BROKER
Commodities/Futures/Options
At Least $75,000 Income in Each of Last 2 Years
At Least $45,000 Income in Each of Last 2 Years
Floor Trader
Others
Insurance
(See Insurance INDUSTRY)
Stocks/Bonds
At Least $75,000 Income in Each of Last 2 Years
At Least $45,000 Income in Each of Last 2 Years
Others
Floor Trader
Other Brokers
At Least $45,000 Income in Each of Last 2 Years
Others
BUTCHER
BUTLER
CARPENTER/CABINET MAKER
CARPET CLEANER OR INSTALLER
CARTOGRAPHER
CARTOONIST (See ARTIST)

3A
2A
1A
5A
4A
3A

Section 8

BAKERY
Supervisory/Administrative Duties Only
Baker
Delivery
BANKING
Officer/Bank Examiner
Loan Originator/Credit Analyst (Office Duties Only)
Cashier/Teller
BARBER/BEAUTICIAN
Not in Home
Cosmetologist/Hairstylist (Shopowners Only)
Cosmetologist/Hairstylist (Other)
Barber
Electrologist/Manicurist

Occupational Class

3A
2A
2A
2A
1A

4A
4A
N
N

5A
4A
2A
N
4A
N
2A
3A
2A
2A
3A

CASINO WORKERS
Manager/Supervisor/Operator (No Floor Duties)

Cashier (Not on Floor)

Dealers/Pit Boss/Workers on Floor (Minimum 1 Year with Employer)

Others

N
For producer use only. Not for use with general public.

OCCUPATIONAL CLASSES
Occupational Title
CATERER
At Least $35,000 Income in Each of Last 2 Years
CHEMICAL INDUSTRY
Acids, Alkalis, Carcinogens, or Explosives
All Workers
No Acids, Alkalis, Carcinogens, or Explosives
Lab Technician
Skilled Worker
Machine Operator
Tester
CHEMIST (See SCIENTIST)
CHIMNEYSWEEP
CHIROPRACTOR (See HEALTH CARE – Other)
CIRCUS/CARNIVAL WORKERS
CIVIC CENTERS/CONVENTION CENTERS/ARENAS
Administrator/Manager
Clerical/Office Personnel
Production Workers (Lights, Property, Sound)
Concession Workers
CLEANING
Supervisory/Administrative Duties Only
Custodians/Janitors/Other Clean-Up Workers
Window Cleaner (2 Stories or Less)
Window Cleaner (More Than 2 Stories)
CLERGY
Minister/Rabbi/Pastor
CLERICAL
Data Entry
General
Quality Control
Shipping and Receiving (No Freight Handling)
Inventory Control
Parts or Stock Clerk
CLOTHING INDUSTRY
Cloth/Clothing/Fashion Designer
Tailor/Dressmaker/Seamstress (Not in Home)
Fashion Model
COACH (See ATHLETICS)
COLUMNIST (See WRITER)
COMPUTER INDUSTRY
Engineer/Architect (Degree in Computer Science or 3 Years Experience)
Web Developer/Designer (Degree in Computer Science or 3 Years Experience)
Programmer/Systems Analyst/Security Specialist/Engineer
Administrator
Capacity Management Specialist

For producer use only. Not for use with general public.

Occupational Class
4A

N
3A
3A
1A
1A
1A
N
4A
3A
2A
1A
3A
1A
1A
N
4A
3A
3A
3A
3A
2A
2A
3A
2A
N

6A
6A
6A
4A
4A

OCCUPATIONAL CLASSES
Occupational Title

N
N
4A
4A
2A
2A

Painter (Interior)

General Laborer

Heavy Equipment Operator (Grader/Bulldozer/Earth Mover/Crane)

Mason/Brickworker/Cement Worker/Tilesetter
Monument Worker/Stone Carver
Paperhanger
Upholsterer
Painter (Exterior Residential)
Painter (Exterior Non-Residential)
Asbestos Removal Workers
Explosive Handler/Blaster
Roofer
Sandblaster
Steeplejack
Tower Erectors
Welder
Carpenter (See CARPENTER/CABINET MAKER)
Electrician (See ELECTRICAL INDUSTRY)
Plumber (See PLUMBER)
Road
Highway, Road or Street Construction Worker/Laborer
Sewer
Sewer Construction (Except Tunnel)
Tunnel
Tunnel Workers (Shaft or Subway)
CONSULTANT/LOBBYIST
At Least $75,000 Income in Each of Last 2 Years
At Least $45,000 Income in Each of Last 2 Years
Others
CORPORATE OFFICER/EXECUTIVE
Administrative Duties Only, At Least $75,000 Income
Administrative Duties Only, At Least $45,000 Income
Others (Administrative Duties Only)

For producer use only. Not for use with general public.

Section 8

CONSTRUCTION
Bridge
Painter
Structural Steel Workers
General
Job Supervisor/Building Contractor (90% of Duties are Supervisory)
Superintendent/Foreman (90% of Duties are Supervisory)
Dry Wall Worker/Plasterer
Floor Covering Layer/Linoleum Worker

Occupational Class

1A
1A
1A
1A
1A
N
N
N
N
N
N
N
N

1A
1A
N
5A
4A
3A
6A
5A
4A

OCCUPATIONAL CLASSES
Occupational Title

Occupational Class

DAYCARE
Adult
Not in Home or on Property (Owner/Director, Administrative
Duties Only)
Not in Home or on Property
Child
Not in Home or on Property (Owner/Director, Administrative
Duties Only)
In Home (State Licensed, At Least 2 Years in Business,
Minimum 3 Children Unrelated to Provider)
Not in Home or on Property
Nanny/Au Pair

2A
2A
N

DAY TRADER

4A
3A

DENTIST (See HEALTH CARE – Dentistry)
DERMATOLOGIST (See HEALTH CARE – Physicians)
DISPATCHER
Airlines/Auto/Bus/Truck/Taxi (Office Duties Only)
DIVER
DRESSMAKER (See CLOTHING INDUSTRY)
DRIVER
Armored Car
Delivery or Route (Local, No Loading or Unloading)
Emergency Vehicle
Fork Lift Operator
Tractor Trailer/Truck (Minimum 60-Day Elimination Period)
Garbage/Sanitation Truck
Racing (All Types)
Taxicab/Bus/Limousine
Heavy Equipment Operator (See CONSTRUCTION)
DRY CLEANING/LAUNDRY
Owner/Manager/Supervisor
Workers
ECONOMIST
Masters/Ph.D. (90% Office Duties)
Other (90% Office Duties)
EDITOR (See PRINTING AND PUBLISHING)
EDUCATION (See TEACHING/INSTRUCTION)
ELECTRICAL INDUSTRY
Engineer (Office Duties Only)
Electrician (Commercial or Residential)
Field Supervisor/Estimator
Meter Installer
Meter Reader or Inspector
Overhead Lines/Conduits/Tunnels

For producer use only. Not for use with general public.

3A
N

2A
2A
1A
1A
1A
N
N
N

4A
2A
6A
5A

4A
3A
2A
1A
1A
S

OCCUPATIONAL CLASSES
Occupational Title
ENERGY INDUSTRY
Electric/Solar/Nuclear/Oil/Gas
Manager/Supervisor/Engineer (Office Duties Only)
Other Employees
ENGINEER
Registered Professional Engineer (Office Duties Only)
Other Professional Degrees (Office Duties Only)

Occupational Class
4A
S
6A
6A

Others With No Degree (Office Duties Only)

Inspector/Supervisor (With Field Duties)

Announcer/Disc Jockey/Commentator (Studio Duties Only)
Director
Producer
Studio Engineer
Technician
Reporter (No Field Duties)
Reporter (With Field Duties)
Production Workers (Light/Property/Sound)
Actor/Actress/Entertainer
Camera Operator/Photographer (See PHOTOGRAPHER)
Writer, Script (See WRITER)
EXECUTIVE (See CORPORATE OFFICER/EXECUTIVE)
EXTERMINATOR/FUMIGATOR
FAMILY PRACTICE (See HEALTH CARE – Physicians)
FARMING AND RANCHING
Farm Implement Dealer (Office Duties Only)
Auctioneer, Retail or Wholesale (Includes Livestock)
Beekeeper (Apiarist)
Buyer, Agricultural and Livestock Products
Chicken/Poultry Grower or Raiser
Citrus Fruit Grower
Dairy Farmer
Farmer/Tree Farmer
Grain Elevators or Mills (Office Workers)
Livestock Raiser or Feeder/Rancher
Manager/Superintendent
Orchardist
Tobacco Farmer or Grower
Horse Trainer or Owner (No Racing or Jumping)
Millwright
Winery Worker
Dairy Workers
Grain Elevators or Mills (Non-Office Workers)
Horse Breaker
Blacksmith (See BLACKSMITH/FARRIER/HORSESHOER)
Farrier (See BLACKSMITH/FARRIER/HORSESHOER)
Horseshoer (See BLACKSMITH/FARRIER/HORSESHOER)
For producer use only. Not for use with general public.

Section 8

ENTERTAINMENT INDUSTRY
4A
4A
4A
4A
3A
3A
2A
1A
N

3A
2A
2A
2A
2A
2A
2A
2A
2A
2A
2A
2A
2A
1A
1A
1A
S
N
N

OCCUPATIONAL CLASSES
Occupational Title
FINANCIAL PLANNER
At Least $75,000 Income in Each of Last 2 Years
At Least $45,000 Income in Each of Last 2 Years
Others
FIRE FIGHTER/EMERGENCY MEDICAL TECHNICIAN
Rural Areas or Metropolitan Areas with Populations Less Than 200,000
Metropolitan Areas with Population 200,000 or More

Occupational Class
5A
4A
3A
1A
S

FISHING INDUSTRY
Captain, Sport Fishing Boat (Tourist)
Fish Hatchery Worker
Fishermen and Surface Workers
FLORIST
Administrative or Sales Only (No Greenhouse Work)
Others With Greenhouse Work
FOREST RANGER
FUMIGATOR (See EXTERMINATOR/FUMIGATOR)
GAMBLER
Professional
GARBAGE COLLECTOR
GARDENER (See HORTICULTURIST)
GEOLOGIST (See SCIENTIST)
GLASS INDUSTRY
Lens Grinder/Polisher
Glass Products Worker
Glazier
GOLF COURSE/COUNTRY CLUB
Manager/Proprietor
Club Professional, Golf or Tennis (Full-time Only)
Supervisor of Grounds Crew (Light Physical Activity)
Greenskeeper/Groundskeeper
GOVERNMENT EMPLOYEES (See specific occupation/profession/duties)
GUIDE
Tour Guide
Hunting/Fishing
Mountain Climbing or River
HEALTH CARE
Dentistry
Dentist, General
Dentist, Specialty (Orthodontist/Periodontal)
Dental Assistant
Dental Hygienist
Lab Technician
Midwife
Registered Nurse (Hospital/Clinic/Doctor’s Office Only)
Others
For producer use only. Not for use with general public.

1A
1A
N
3A
2A
2A

N
N

3A
1A
1A
3A
2A
2A
1A

2A
N
N

3A
3A
2A
2A
2A
3A
S
48

OCCUPATIONAL CLASSES
Occupational Title
HEALTH CARE (cont.)
Nurses
Nurse Anesthetist
Nurse Practitioner
School Nurse (Full-time Only)
RN/LPN/LVN: Doctor’s Office or Clinic Only

For producer use only. Not for use with general public.

4A
4A
3A
3A
2A
2A
1A

Section 8

RN/LPN/LVN: Hospital, Nursing Home, Hospice or HHC
(Minimum 30-day Elimination Period)
Certified Nurse Aide (CNA): Doctor’s Office or Clinic Only
CNA: Hospital, Nursing Home, Hospice or HHC (Minimum 30-day
Elimination Period)
Home Health Care Provider Other Than RN/LPN/LVN/CNA
(Minimum 30-day Elimination Period)
Nurse in Psychiatric Hospital/Prison/Jail
Private Duty Nurse (Outside Hospital)
Pharmacy
Registered Pharmacist
Pharmacy Technician
Physicians
Family Practice/Pediatrician
Internal Medicine
Anesthesiologist
Dermatologist
Emergency Room
Obstetrics/Gynecology
Ophthalmologist
Pathologist
Psychiatrist
Radiologist
Surgeon
Urologist
Specialty Not Listed, No Surgery and No Emergency Room Work
Technicians
Dialysis, ECG, Laboratory, Ultrasound, X-ray (At Least $50,000 Income)
Dialysis, ECG, Laboratory, Ultrasound, X-ray (Less Than $50,000 Income)

Occupational Class

1A
S
N
6A
4A
4A
4A
3A
3A
3A
3A
3A
3A
5A
3A
3A
3A
3A
4A
3A

OCCUPATIONAL CLASSES
Occupational Title
HEALTH CARE (cont.)
Therapists (Hospital, Clinic, Doctor’s Office)
Audiologist
Physical
Psychologist/Counselor (Licensed and Ph.D.)
Psychologist/Counselor (Licensed Only)
Respiratory
Speech (Registered or Licensed)
Assistants
Occupational
Massage (Certified or Licensed)
Others
Therapists (Home Health Care)
Physical
Speech (Registered or Licensed)
Assistants
Occupational
Respiratory
Other
Administrator
Naturopath
Nutritionist or Dietician (No Food Preparation)
Optometrist
Osteopath
Physician Assistant (At Least $50,000 Income)
Physician Assistant (Less Than $50,000 Income)
Podiatrist
Chiropractor

For producer use only. Not for use with general public.

Occupational Class
4A
4A
4A
4A
4A
4A
3A
3A
2A
N
3A
3A
2A
2A
2A
4A
4A
4A
4A
4A
4A
3A
3A
2A

OCCUPATIONAL CLASSES
Occupational Title

For producer use only. Not for use with general public.

1A
4A
3A
1A

Section 8

HORTICULTURIST
Gardener/Greenhouse Worker/Nursery Worker
HOTEL/MOTEL/INN
Manager (Office Duties Only)
Desk Clerk
Caretaker
Maid/Housekeeper (See MAID)
ILLUSTRATOR (See ARTIST)
INNKEEPER (See HOTEL/MOTEL/INN)
INSURANCE INDUSTRY
Agent/Broker (At Least $75,000 Income in Each of Last 2 Years)
Agent/Broker (At Least $45,000 Income in Each of Last 2 Years)
Claims Examiner/Underwriter (Office Duties Only)
General Agent
Claims Examiner/Underwriter (With Field Duties)
Clerk
Office Manager
Other Agent/Broker
INTERIOR DESIGNER/DECORATOR
4-Year Degree (Consulting Only)
Others
INTERNAL MEDICINE (See HEALTH CARE – Physicians)
INTERPRETER/TRANSLATOR
JEWELRY
Certified Gemologist/Certified Gemologist Appraiser
Others (Office Duties Only)
Goldsmith/Silversmith/Diamond Cutter
JOURNALIST (See WRITER)
LANDSCAPING
Landscape Architect (90% Supervisory/Administrative)
90% Supervisory/Administrative Duties
Tree Trimmer/Tree Surgeon
Other Workers Including Lawn Mowers

Occupational Class

5A
4A
5A
4A
3A
3A
3A
3A
3A
2A
4A
3A
3A
2A

3A
2A
N
1A

OCCUPATIONAL CLASSES
Occupational Title
LAW ENFORCEMENT
City/County/State Police
Dispatcher, Communications
City Police Officer (Metropolitan Area Less Than 2 Million)
Detective/Inspector
Marshals/Sheriffs/Deputies
Meter Person (Not Making Arrests)
State Highway Patrol Officer
City Police Officer (Metropolitan Area 2 Million or More)
Customs and Immigration
Inspector (Inside Duties Only)
Juvenile Detention Facility
All Workers
Prison or Correctional Facility
Warden
Guard/Jailer/Matron
Other
Air Marshal
Fish and Game Warden
Guard, Security or Bank
Process Server
Parole/Probation Officer
LAWYER (See LEGAL)
LEGAL
Attorney
Judge
Legal Assistant (Certified)
Paralegal
Legal Assistant (Other)
Secretary
Stenographer
Court Reporter
Bailiff
LIBRARIAN
LIQUOR DISTRIBUTION
Wholesaler
Liquor Store Owner/Manager
Bartender
LOBBYIST (See CONSULTANT/LOBBYIST)
LOCKSMITH/KEY MAKER
LUMBER INDUSTRY
Office Duties Only
Others
MAID

For producer use only. Not for use with general public.

Occupational Class
3A
1A
1A
1A
1A
1A
S
4A
S
3A
S
2A
2A
2A
1A
S

6A
6A
5A
5A
4A
4A
3A
3A
1A
4A
4A
2A
N
3A
4A
N
1A

OCCUPATIONAL CLASSES
Occupational Title
MANUFACTURING/PROCESSING/PACKAGING
Automobile Manufacturing
All Workers
Other Manufacturing
Administrative/Supervisory Duties Only
Foreman/Inspector/Superintendent
Lab Technician

For producer use only. Not for use with general public.

N
4A
3A
3A
3A
3A
1A
1A
1A
1A
1A
1A
1A
1A
1A
1A
N
N
N

Section 8

Receiving/Shipping Clerk
Other Skilled Worker
Assembler/Benchworker/Toolmaker
Crane Operator
Diemaker/Engraver
Installer/Tester
Machine Operator/Machinist/Mechanic/Milwright
Alcohol/Brewery/Distillery/Winery Plant Workers
Creamery/Dairy Plant Workers
Factory Canning/Preserving Workers
Refrigeration Plant Workers
Sugar Refinery Worker
Chicken/Poultry Cleaner/Cutter/Dresser or Processor
Packinghouse Worker
Rendering Plant Workers
MARINE INDUSTRY
Inland Vessels
Pilot
Large Seagoing Vessels/Freighters
Passenger Ship: Pilot/Officers
Cargo Ship: Pilot/Officers
Passenger Ship: Radio Operator/Purser/Chief Steward
Harbor Master
Harbor Pilot
Dockworker, Stevedore, Wharfworker
Cargo Ship: Crew
Passenger Ship: Crew
MASON (See CONSTRUCTION – General)
MASSAGE (See HEALTH CARE – Therapists (Hospital, Clinic, Doctor’s Office))
MECHANIC (See SERVICE/REPAIR/INSTALLATION)
MESSENGER
Inside the Office
Outside or Between Offices
Bicycle
MIDWIFE (See HEALTH CARE – Midwife)
MINERALOGIST (See SCIENTIST)

Occupational Class

1A
4A
3A
2A
2A
1A
S
N
N

2A
1A
N

OCCUPATIONAL CLASSES
Occupational Title
MINING
Manager/Owner (Office Duties Only)
Outside Foreman (Surface Only)
Others
MINISTER (See CLERGY)
MORTICIAN
No Embalming
With Embalming
MOTEL (See HOTEL/MOTEL/INN)
MOVING AND STORAGE
Owner/Manager (Office Duties Only)
Estimator/Foreman (No Manual Duties)
Mover, Furniture and Household Goods
MUSEUM CURATOR (See ART DEALER/GALLERY OWNER/MUSEUM CURATOR)
MUSIC
Musician/Singer (Full-Time Orchestra/Studio Composer/Arranger)
Piano Tuner/Teacher
Musician/Singer (Night Club/Restaurant/Lounge/Tavern)
NATURAL GAS (See PETROLEUM INDUSTRY)
NURSE (See HEALTH CARE – Nurse)
OBSTETRICS/GYNECOLOGY (See HEALTH CARE – Physicians)
OFFICE WORKER
Administrative Duties Only (At Least $40,000 Income)
Administrative Duties Only (Less Than $40,000 Income)
Administrative Assistant
Receptionist
Secretary
Others
OIL (See PETROLEUM INDUSTRY)
OPHTHALMOLOGIST (See HEALTH CARE – Physician)
OPTOMETRIST (See HEALTH CARE – Other)
PAINTER (See CONSTRUCTION – General)
PARALEGAL (See LEGAL)
PATHOLOGIST (See HEALTH CARE – Physicians)
PAWN BROKER
PEDIATRICIAN (See HEALTH CARE – Physicians)
PETROLEUM INDUSTRY
Foreman
Manager/Superintendent (Supervisory Only)
Mechanic
Others (Offshore Workers)
PHARMACIST (See HEALTH CARE – Pharmacy)
PHOTOGRAPHER
Commercial, Studio
Camera Operator, Motion Picture/Television
Commercial, Non-Studio (Sporting Events, Corporate Functions,
Concerts, Filming on Location)
For producer use only. Not for use with general public.

Occupational Class
4A
2A
N

4A
3A

4A
3A
S

3A
3A
N

5A
4A
4A
4A
4A
3A

3A
3A
1A
N

4A
3A
2A
54

OCCUPATIONAL CLASSES
Occupational Title
PHYSICAL THERAPIST (See HEALTH CARE – Therapists)
PHYSICIAN ASSISTANT (See HEALTH CARE – Other)
PHYSICIST (See SCIENTIST)
PIPEFITTER/STEAMFITTER
PLUMBER
PODIATRIST (See HEALTH CARE – Others)

For producer use only. Not for use with general public.

1A
2A

Section 8

POSTAL EMPLOYEES
Postal Inspector (Office Only)
Driver/Letter Carrier/Mail Handler/Clerk (Minimum 30-Day
Elimination Period)
PRINTING AND PUBLISHING
Books/Newspapers/Periodicals
Editor/Publisher
Copywriter (Office Duties Only)
Foreman
Photographer
Graphic/Lithographic Artist
Proofreader
Compositor/Lithographer/Pressman/Typesetter
Engraver, Photoengraver
Machine Operator
Maintenance Mechanic
Bookbinder
Newspaper Delivery (See DRIVER)
PRIVATE DETECTIVE
PSYCHIATRIST (See HEALTH CARE – Physicians)
PSYCHOLOGIST (See HEALTH CARE – Therapists)
PUBLISHER (See PRINTING AND PUBLISHING)
RABBI (See CLERGY)
RADIOLOGIST (See HEALTH CARE – Physicians)
RAILROAD
Conductor
Dispatcher
Foreman
Inspector
Signalman
Tower Electronic Switching and Traffic Controller
Yard Master
Other (Office Duties Only)
Engineer
Maintenance Mechanic
Track and Section Workers
Train Crew
Yard Workers

Occupational Class

5A
3A
3A
3A
2A
2A
1A
1A
1A
1A
1A
N

2A
2A
2A
2A
2A
2A
2A
2A
1A
1A
S
S
S

OCCUPATIONAL CLASSES
Occupational Title
REAL ESTATE
Agent/Broker (At Least $75,000 Income in Each of Last 2 Years)
Agent/Broker (At Least $45,000 Income in Each of Last2 Years)
Abstractor/Abstract Clerk
Agent/Broker (Others)
Appraiser
Escrow/Title Clerks
Home Inspector
REPORTER (See ENTERTAINMENT INDUSTRY)
RESTAURANT/BAR
Chef (At Least $45,000 Income)
Host/Hostess/Cashier (Sole Duties)
Owner/Operator/Manager (No Bartending Duties)
Cook
Busboy/Busgirl
Waiter/Waitress
Baker (See BAKER)
Bartender (See LIQUOR DISTRIBUTION – Bartender)
RETAIL SALES
Convenience Store
Owner/Manager/Supervisor
Other Employees
General Merchandise
Buyer or Purchasing Agent
Owner/Manager/Supervisor
Salesperson/Sales Clerk/Receiving Clerk
Other Employes
Grocery Store
Manager (Supervisory Duties Only)
Stock Clerk
Others
RETIRED PERSON
RODEO PERFORMER
ROOFER (See CONSTRUCTION – General)
SALES AGENT/MANUFACTURING REPRESENTATIVE
At Least $75,000 Income in Each of Last 2 Years
At Least $45,000 Income in Each of Last 2 Years
Others
SCIENTIST
Geologist (Office Duties Only)
Astronomer (Salaried Only)
Biochemist
Biologist (Not Teaching, Not Marine Biologist with Diving)
Botanist
Chemist
Meteorologist
Physicist
For producer use only. Not for use with general public.

Occupational Class
5A
4A
3A
3A
3A
3A
2A

4A
3A
3A
2A
N
N

2A
N
4A
4A
3A
2A
4A
2A
1A
N
N

5A
4A
3A
5A
4A
4A
4A
4A
4A
4A
4A
56

OCCUPATIONAL CLASSES
Occupational Title

For producer use only. Not for use with general public.

4A
3A
4A
3A
3A
2A

1A
1A

Section 8

SCIENTIST (cont.)
Zoologist
Geologist (With Field Duties)
Lab Assistant or Technician (Not in Physician’s or Dentist’s Office/Clinic)
Mineralogist (Above Ground Only)
Others (No Field Duties)
Others (With Field Duties)
SEAMSTRESS (See CLOTHING INDUSTRY)
SEPTIC AND SEWAGE
Installation
Servicing
SERVICE/REPAIR/INSTALLATION
Automobile
Service Manager (Supervisory Only)
Body Repair Worker/Welder
Mechanic
Cable/Satellite Television
Equipment Repairer/Installer/Servicer (No Line Work,
Pole Climbing or Digging)
Lineman/Pole Climber
Service Stations
Owner/Manager
Others
Telephone
Equipment Repairer/Installer/Service (No Line Work, Pole Climbing
or Digging)
Lineman/Pole Climber
Tower Service/Installation
Other
Computer Servicer/Repairer
Security Systems (No Line Work, Pole Climbing or Digging)
Computer Installer
Clock/Watch Repairer
Musical Instrument Repairer
Office Machines
Shoe Repairer
Heating, Ventilation and Air Conditioning
Household Appliances
Mechanic (Aircraft/Boat/Truck/Small Engine)
Vending Machines
Welder
SOCIAL WORKER
Office Duties Only
Field Duties
STUDENT
Full Time
STUNTLADY/STUNTMAN
SURGEON (See HEALTH CARE – Physicians)
SURVEYOR
Office Duties Only
Field Duties

Occupational Class

4A
2A
2A
3A
S
2A
1A
3A
S
S
3A
3A
3A
2A
2A
2A
2A
2A
2A
2A
1A
1A
4A
3A
N

4A
3A
57

OCCUPATIONAL CLASSES
Occupational Title
TAILOR (See CLOTHING INDUSTRY)
TATOO ARTIST/BODY PIERCING
TAXIDERMIST
TEACHING/INSTRUCTION
College/University
Dean
Professor (Full-Time Classroom Only, Degree Required)
Registrar
Other (Administrative Duties Only)
K-12
Administrator/Guidance Counselor/Special Education/
Driver Education
Principal/Superintendent
Teacher (Full-Time Classroom Only, Not in Home, Degree Required)
Teacher (Physical Education/Shop/Others with Duties Outside of the
Classroom)
Athletic Director
School Nurse (See HEALTH CARE – Nurses)
Preschool
Teacher (Not in Home)
Vocational
Teacher/Professor
Other
Aerobics/Yoga Instructor/Personal Trainer
Dancing Instructor
Martial Arts Instructor
Ski Instructor
TEMPORARY/SEASONAL WORKER
TRAVEL AND TRANSPORTATION
Travel Bureau Worker
TREE TRIMMER/TREE SURGEON (See LANDSCAPING)
ULTRASOUND TECHNICIAN (See HEALTH CARE – Technicians)
UROLOGIST (See HEALTH CARE – Physicians)
VETERINARIAN
DVM (Small Animal)
Assistant (Small Animal)
DVM (Large Animals)
Assistant (Large Animal)
WAREHOUSE WORKERS
Checker/Crater/Foreman/Packer
Fork Lift or Power Truck Operator/Skilled Worker
Others
WELDER (See CONSTRUCTION – General or SERVICE/REPAIR/INSTALLATION)
For producer use only. Not for use with general public.

Occupational Class
N
3A

5A
5A
4A
4A

4A
4A
4A
3A
3A

2A
4A
2A
2A
N
N
N
3A

5A
3A
3A
2A
2A
1A
S

OCCUPATIONAL CLASSES
Occupational Title

For producer use only. Not for use with general public.

5A
4A
4A
4A
4A
N

Section 8

WRITER
Books/Newspapers/Periodicals
Columnist
Author/Novelist/Writer/Proofreader (Salaried Only)
Journalist On Staff of Newspaper/Periodical
Scriptwriter (Salaried Only)
Technical Writer (Salaried Only)
Freelance
X-RAY TECHNICIAN (See HEALTH CARE – Technicians)
ZOOLOGIST (See SCIENTIST)

Occupational Class

Mutual of Omaha Insurance Company

Disability Income Choice

Portfolio
Disability Income insurance underwritten by:

Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com

AGENT &
UNDERWRITING
GUIDE
DI Choice
DI Choice at Work
TM

M27879
M28075

when choices mattersm

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History When                    : 2011:05:13 10:00:42-05:00, 2011:05:13 10:00:42-05:00, 2011:05:19 13:30:16-05:00, 2011:09:06 13:13:28-05:00, 2011:09:06 13:14:11-05:00, 2011:09:07 07:55:09-05:00, 2011:09:07 07:56:29-05:00, 2011:09:15 08:14:42-05:00, 2011:09:15 10:23:49-05:00, 2011:09:15 10:27:08-05:00, 2011:09:15 10:27:52-05:00, 2011:09:15 10:31:31-05:00, 2011:09:30 08:07:54-05:00, 2011:09:30 08:07:54-05:00, 2011:10:05 07:19:42-05:00, 2011:10:05 07:19:42-05:00, 2011:10:05 08:29:41-05:00, 2011:10:05 08:29:41-05:00, 2011:10:05 08:30:18-05:00, 2011:10:05 12:44:54-05:00, 2011:10:06 08:24:18-05:00, 2011:10:06 08:24:30-05:00, 2012:03:27 11:57:35-05:00, 2012:03:27 11:57:35-05:00, 2012:03:27 11:59:42-05:00, 2012:03:27 12:01:04-05:00, 2012:03:27 12:02-05:00, 2012:03:27 12:02:23-05:00, 2012:03:27 12:03:41-05:00, 2012:03:27 12:09:57-05:00, 2012:03:27 12:11:26-05:00, 2012:03:27 12:12:15-05:00, 2012:03:27 12:12:55-05:00, 2012:03:27 12:13:43-05:00, 2012:03:27 12:14:25-05:00, 2012:03:27 12:29:29-05:00, 2012:03:27 12:31:35-05:00, 2012:03:27 12:32:35-05:00, 2012:03:27 12:33:35-05:00, 2012:03:27 12:33:56-05:00, 2012:03:27 12:34:16-05:00, 2012:03:27 12:38:40-05:00, 2012:03:27 12:41:22-05:00, 2012:03:27 12:41:58-05:00, 2012:03:27 12:42:13-05:00, 2012:03:27 12:47:16-05:00, 2012:03:27 12:48:23-05:00, 2012:03:27 12:48:28-05:00, 2012:03:27 12:49:52-05:00, 2012:03:27 12:50:16-05:00, 2012:03:27 12:51:01-05:00, 2012:03:27 12:51:57-05:00, 2012:03:27 12:52:28-05:00, 2012:03:27 12:54:36-05:00, 2012:03:27 12:58:12-05:00, 2012:03:27 13:17:23-05:00, 2012:03:27 13:18:11-05:00, 2012:03:27 13:27:24-05:00, 2012:03:27 13:42:49-05:00, 2012:03:27 13:43:27-05:00, 2012:03:27 13:44:32-05:00, 2012:03:27 13:44:57-05:00, 2012:03:27 13:46:48-05:00, 2012:03:27 13:49:37-05:00, 2012:03:27 13:50:32-05:00, 2012:03:27 13:57:18-05:00, 2012:03:27 14:02:59-05:00, 2012:03:27 14:11:32-05:00, 2012:03:27 14:15:07-05:00, 2012:03:27 14:17:20-05:00, 2012:03:27 14:17:39-05:00, 2012:03:27 14:20:09-05:00, 2012:03:27 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Producer                        : Adobe PDF Library 9.9
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