Disability Income Insurance HELP PROTECT YOUR INCOME, FAMILY AND LIFESTYLE 10008

Disability Income Protection – Protecting Your Life If something happens that keeps you from working, what is your greatest concern? Assuring you can continue to provide for your family? Staying in your home as long as possible? Protecting your savings and retirement? The majority of us need to work to provide for our loved ones and to maintain our standard of living.

Injury or Illness – The Impact The loss of income for an extended period of time has the potential to disrupt your plans and create a gap between you and the things that matter most: Your family Your home Your savings and retirement

Being injured or sick may have an impact on your loved ones and may put a strain on your family, especially other wage earners and dependents in your home. Protecting Your Family

Protecting Your Home For the majority of people, their mortgage or rent is their largest monthly bill. A long-term loss of income can put your ability to pay in jeopardy and opens the possibility of losing your home.

Protecting Your Savings and Retirement The loss of income may create a gap in your savings and retirement plan as funds are depleted just to make ends meet.

Planning the Course Major life events often represent a milestone that causes people to take an inventory of their financial plan. Marriage Birth of child Home purchase Promotion Milestones provide the opportunity to make sure coverage supports a new life situation.

Bridging Life’s Milestones Imagine a long, narrow suspension bridge with guardrails along the sides and a slight dip in the middle. How comfortable are you crossing from one side to the next? What about in bad weather? What about if we remove the guardrails? Disability Income Insurance is the guardrail that keeps you and your loved ones moving safely from one part of your life to the next during stormy times.

Truth in Numbers Most people don’t believe they will need Disability Insurance. However, consider these facts: One in three Americans will experience a long-term disability prior to retirement with the average disability claim being 2 ½ years* Most disabilities don’t happen at work and therefore, Workers Compensation won’t provide benefits ** More than 90% of disability issues are caused by illness – not injury. *** And... more alarming, 65% of people admitted they couldn’t survive an income loss for more than a year and didn’t know how they would survive.*** Disabilities happen more than we think and the majority of us are not adequately prepared to lose income for an extended period. * America’s Health Insurance Plans (AHIP), Baby Boomer Awareness of Disability Risk Study (2008); most recent available ** National Safety Council, Injury Facts (2011); most recent available *** CDA Consumer Disability Awareness Survey, Long-Term Disability Claims Review, Council for Disability Awareness (2010); most recent available

Sources of Income If you suffer a disability that keeps you from working for an extended period, can you count on these resources? Vacation time Spouse’s income Savings Borrowing money Question: How long would these resources reasonably cover your expenses?

Other Disability Income Sources What about… Social Security disability insurance: The average payment is less than $1,130 a month* Workers’ compensation: Only 10 percent of disability cases are caused by eligible on-the-job injuries** Disability coverage from work: Do you know how it pays In many cases, there is a gap between these income sources and basic expenses. Disability Income Insurance is designed specifically to help cover those basic expenses while you recover from illness or injury and protect the things that are most important to you. * Medicare and You Handbook (2012); most recent available ** CDA Consumer Disability Awareness Survey, Long-Term Disability Claims Review, Council for Disability Awareness (2010); most recent available

Disability Insurance in Your Day What is Disability Income Insurance? An income protection policy that provides monthly benefits to supplement the loss of wages during injury or illness. Mutual of Omaha Insurance Company (Mutual of Omaha) offers multiple products Accident Only Disability Short-Term Disability Long-Term Disability

Who Needs it? Anyone who is looking to complete their income protection plan Homeowners, married couples, wage earners, business owners, single parents Most individuals between ages who earn an income

Protection at a Glance

Accident Only Disability Accident Only Disability Insurance will pay you a monthly benefit if you are unable to work due to a disabling accident. It does not cover disability due to sickness. The cost of Accident Only Disability Insurance is generally lower than the cost of policies covering both accident and sickness-related disabilities. Maximum Monthly Benefit $5000 – based upon a portion of current income Elimination Period 0, 7, 14, 30, 60 or 90 days Benefit Period 3, 6, 12 and 24 months

Short-Term Disability Short-Term Disability Insurance provides coverage due to illness or injury and flexibility for those who are looking for immediate coverage that is portable. Along with options to tailor your policy, there are a number of built-in benefits to this policy. Maximum Monthly Benefit $5000 – based upon a portion of current income Elimination Period 0/7, 7, 0/14, 14, 30, 60 or 90 days Benefit Period 3, 6, 12 and 24 months

Long-Term Disability Long-Term Disability Insurance is ideal for individuals who have resources that could cover living expenses for the first few months of a disability and want comprehensive, long-term benefits that would cover disability from an accident or sickness. Additionally, Long-term Disability offers significantly more options to craft a policy to meet unique needs. Maximum Monthly Benefit $12,000 – based upon a portion of current income Elimination Period 60, 90, 180 or 365 days Benefit Period 2, 5, 10 years and up to age 67

Next Steps We have Protection that’s Right for YOU Disability Income Insurance offers policies based upon your occupation and protection needs. Mutual of Omaha offers a number of solutions and optional benefits to meet your needs. I can help you: Assess your situation Understand your options Select a policy that’s right for you

Let’s Talk Together we can tailor an income protection plan to meet your needs and keep you on track for your life and financial goals. [Agent/Producer Name] [Agent/Producer License Number] [Phone] [ Address]

This is a solicitation of insurance and a licensed insurance agent/producer will contact you. Disability Income Insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE Disability income policy form numbers D81, D82, D83, (In FL, D /21231 D /21232, D /21233; in ID, OR, and Texas, D /20897, D /20899, D /20901; In NY, D /21099, D /21101, D /21103; in NC, D /21009, D /21011, D /21013; in OK D /21015, D /21017, D /21019; in PA, D /2108, D /21083, D /21085; in WA, D /21039, D /21041, D /21043.) These policies have exclusions and limitations. Products may not be available in all states. For costs and complete details of coverage, contact your licensed insurance agent/producer. Mutual of Omaha Insurance Company is licensed nationwide. In New York, these polices provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for policy form numbers D , D , and D is 55% (D , D , D is 60%). The ratios are the portion of future premiums, which the Company expects to return as benefits when averaged over all people with these policies.