Minimum Weekly $0 Benefit Partial Disability If you become disabled and can work part-time (but not full-time), you may be eligible Benefits for partial disability benefits, which will help supplement your income until you are able to return to work full-time. DEFINITIONS Definition of Disability and disabled mean that because of an injury or illness, a significant change in Disability 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. Definition of Weekly earnings for salaried employees is the gross annual salary in effect immediately Weekly Earnings prior to the date disability begins, divided by 52. Weekly earnings for hourly employees is the hourly rate of pay multiplied by the average number of hours worked per week during the 6 month period immediately prior to the date disability begins. If employed for part of the prior 6 month period, weekly 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 Portability The portability feature allows you to apply for disability insurance through a trust policy should your employment end, without having to provide evidence of insurability. You will be responsible for paying the premium for coverage. Reasonable Provides a benefit to the employer to assist in covering costs incurred to make workplace Accommodation modifications for you to return to work. 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. VOLUNTARY SHORT-TERM DISABILITY PREMIUM CALCULATION Use the premium factor in the table provided below to calculate your premium for voluntary short-term disability coverage in the worksheet below, using the example as a guide. WEEKLYPREMIUM CALCULATION EXAMPLE (42-year-old employee earning $0 a year) List your weekly earnings $ $ 0.00 (Maximum is $1,666.67) Multiply by the premium factor 0.01 0.01 Your Estimated Weekly Premium** $ $ 0 **This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency.