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. Additional benefits for family care expenses for eligible family members are also available while receiving partial disability benefits. DEFINITIONS Own Occupation Own Occupation to the Maximum Benefit Period 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 Employee Mutual of Omaha’s team of master’s level EAP professionals are available 24/7/365 to Assistance provide you and your loved ones resources for assistance with personal and workplace Program (EAP) issues. Access to EAP services is obtained by calling 1-800-316-2796 or by using an online submission form for employee convenience at www.mutualofomaha.com/eap. Online are valuable resources and links for additional assistance, including current events, family and relationships, emotional well-being, financial wellness, substance abuse and addiction, legal assistance and work and career. 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.