Page 23 - Megatel Homes LLC Benefit Guide 8-1-2024

Voluntary Short-Term Disability:

Mutual of Omaha

Voluntary (STD) Short-Term Disability Coverage

Megatel Homes, LLC provides our employees with Low Cost Voluntary Non-Work-Related
Short-Term Disability coverage intended to protect your income for a short duration in case
you become ill or injured at low cost group rates.

• Benefits begin the 15th day following an accident, illness and even pregnancy
• Benefits can continue up to a maximum duration of 11 weeks
• This policy will cover 60% of your weekly base income up to $1,500
• Cost are after tax and Weekly Benefit are Income Tax Free
• Pays for Total and Partial Disabilities caused by accidents and illness

Definition of Disability:
Disability and disabled mean that because of an injury or illness, a significant change in your mental or
functional abilities has occurred, for which you are prevented from performing at least one of the material
duties of your regular job and are unable to generate current earnings which exceed 99% of your weekly
earnings from your regular job. You can be totally or partially disabled during the elimination period.

Partially Disability Benefits:
If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability
benefits, which will help supplement your income until you are able to return to work full-time

PRE-EXISTING CONDITION:
If you have a medical condition that begins before your coverage takes effect, and you receive treatment
for this condition within the 3 months leading up to your coverage start date, you may not be eligible for
benefits for that condition until you have been covered by the plan for 6 months.

OTHER BENEFITS:
• Rehabilitation Assistance Benefit:
Employees who participate in an approved rehabilitation program are eligible to receive an additional
percent of benefit. Additionally, approved program costs may be reimbursed.
• Waiver of Premium:
You will not be required to pay premium during any time of approved total or partial disability.
• Portability, you can take it with you
• Survivor / Family Income Benefit - 3 Weeks
• Pregnancy—Normal Delivery—6 Weeks
• Pregnancy C-Section Benefit - 8 Weeks
• Hearing Discount Benefit (The Hearing Discount Program provides you and your family discounted hearing
products, including hearing aids and batteries). Call 1-888-534-1747 or visit www.amplifonusa.com/
mutualofomaha to learn more.

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