Page 13 - Oremor EE Guide 01-17_Updated 11.17.16

Benefits

Life and AD&D Insurance

Basic Life and AD&D Insurance | Mutual of Omaha
When you choose to enroll in one of our medical plans, OREMOR provides a basic Life insurance benefit of $25,000 while ac vely
employed. This coverage is offered through Mutual of Omaha. If your death is due to a covered accident or injury, your beneficiary
will receive an addi onal amount through Accidental Death and Dismemberment (AD&D) coverage.

Voluntary Life and AD&D Insurance | Mutual of Omaha

In addi on to the company provided Basic Life and AD&D benefits, you may elect to purchase addi onal Term Life and AD&D
insurance at discounted group rates provided by Mutual of Omaha. You pay for this coverage with a er‐tax dollars through
convenient payroll deduc ons.

Employee

You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $500,000, not to exceed 5 mes
your annual salary.

Spouse
If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your spouse are available in
increments of $5,000 to a maximum benefit of $100,000.

Child(ren)
If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits for your children
are available in the amount of $5,000 or $10,000. Please note, newborn children to 13 days of age are not eligible for coverage.

Guarantee issue is a pre‐approved amount of coverage that does not require you to provide proof of good health, and is available
to you during your ini al eligibility period (upon hire). Guarantee issue is available in the following amounts:
 Employee = $200,000
 Spouse = $50,000
 Child(ren) = $10,000

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime during the year as long
as you provide proof of good health. To provide proof of good health, you will be asked to complete a health questionnaire and are
subject to insurance carrier approval. Mutual of Omaha may approve or decline coverage based on a review of your health history.

Disability Insurance

Short Term Disability Insurance | Mutual of Omaha
OREMOR Automo ve Group offers you Short Term Disability (STD) to provide income replacement if you become disabled due to
accident, sickness or pregnancy, through Mutual of Omaha. If you experience a temporary disability, benefits begin 7 days a er the
start of your disability and will con nue up to a maximum of 51 weeks. California State Disability provides a benefit of 55% of your
pre‐disability earnings up to a maximum benefit of $1,129 per week. This plan supplements California State Disability an addi onal
30% of your pre‐disability earnings up to a maximum benefit of $1,500 per week.

Long Term Disability Insurance | Mutual of Omaha
OREMOR Automo ve Group offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an
extended period of me, through Mutual of Omaha. If you become totally and permanently disabled, benefits begin 360 days a er
the start of your illness or injury and will con nue as long as you remain disabled up to age 65 or Social Security Normal Re rement
Age. LTD works with state disability programs, Social Security, and any other group disability coverage, to provide you with a
combined monthly benefit equal to 60% of your pre‐disability earnings up to a maximum benefit of $10,000 per month.

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