Disability Income Choice at Work Underwriting Guidelines

Disability Income 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.

Underwriting Programs

Underwriting Programs

Fully Underwritten
The Fully Underwritten 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 one of the three associated disability products and optional riders. The maximum benefit available is based on general underwriting guidelines used on individual cases.

Express Standard Issue
Express Standard Issue (ESI) is Mutual of Omaha’s newest underwriting program. It is for 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 want to support an income protection program, but not bear the expense of the associated premiums.

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. GSI is designed to allow employers to select the employees who are eligible to receive the coverage as well as the benefit configurations and available riders.

  • Employer-paid (mandatory participation): This program is provided by the employer to full-time employees of a predetermined group working 30+ hours per week
  • Employee-paid (voluntary participation): This program is voluntary participation for full-time eligible employees working 30+ hours per week. The program is available for those employers who want to support an income protection program, but not bear the expense of the associated premiums

Additional Details

  • 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 with no change in premium 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

For complete details, see our Agent and Underwriting Guide (login required).

Benefits of Selling Income Protection at Work

How DI at Work Programs Work

Target Markets

For more information on DI Choice at Work, refer to out Agent and Underwriting Guide (login required).

Our Underwriting Call Center is available to assist you. Contact them directly to discuss the details of your case and get fast, reliable answers. You can also email sales.support@mutualofomaha.com.