Page 49 - NAPA 2021-2022

Maximum Benefit If you become disabled prior to age 62, benefits are payable to age 65, your Social
Period Security Normal Retirement Age or 3.5 years, whichever is longest. At age 62 (and
older), the benefit period will be based on a reduced duration schedule.
Partial Disability If you become disabled and can work part-time (but not full-time), you may be eligible
Benefits for partial disability benefits.

DEFINITIONS
Own Occupation 2 Years
Own Occupation 99%
Earnings Test
Definition of Monthly earnings for salaried employees is the gross annual salary in effect immediately
Monthly Earnings prior to the date disability begins, divided by 12. Monthly earnings for hourly employees
is the hourly rate of pay multiplied by the average number of hours worked per month
during the 12 month period immediately prior to the date disability begins. If employed
for part of the prior 12 month period, monthly earnings is the hourly rate of pay
multiplied by the average number of hours worked.
FEATURES
Vocational If you become disabled and participate in the vocational rehabilitation program, you will
Rehabilitation be eligible for a monthly benefit increase of 5%.
Benefit
Survivor Benefit If you pass away while receiving disability benefits, a lump sum equal to 3 times your
monthly benefit will be paid to your eligible survivor.
SERVICES
Hearing Discount The Hearing Discount Program provides you and your family discounted hearing
Program products, including hearing aids and batteries. Call 1-888-534-1747 or visit

www.amplifonusa.com/mutualofomaha to learn more.