Insurance

TCU provides Basic Life and Accidental Death and Dismemberment (AD&D) insurance at no cost to eligible employees.

Basic Life Insurance

Available to employees who work at least 75% of full time.
Provides $25,000 in coverage or one times your annual salary, whichever is greater.
Premiums are paid 100% by TCU.
Benefits reduce by 50% at age 70, but not below $25,000.

Basic AD&D Insurance

AD&D insurance provides financial protection to your designated beneficiary in the event of an accidental death. It may also provide benefits for certain covered injuries.

Coverage equals one times your annual base salary, with a minimum benefit of $25,000.

Important: If your employer-provided life insurance coverage exceeds $50,000, the value of coverage above that amount is generally considered taxable imputed income. Consult your tax advisor for additional information.

Explore Basic Life & AD&D Insurance

In addition to employer-paid Basic Life Insurance, you may purchase Voluntary Term Life Insurance for yourself and your eligible dependents through Mutual of Omaha.

Guaranteed Issue Amounts

Employee: $330,000
Spouse: $50,000

Evidence of Insurability (EOI)

Evidence of Insurability is documentation of your health that may be required when enrolling in or increasing life insurance coverage.

You must complete EOI if:

You request coverage above the guaranteed issue amount.
You enroll after your initial enrollment period.
You want to increase your existing coverage.
You previously declined coverage and now wish to enroll.

Complete Evidence of Insurability (EOI)

Explore Voluntary Term Life Insurance

* Please note: Evidence of Insurability (EOI) is required to enroll in Voluntary Life Insurance, other than during your new hire period. EOI is the documentation of good health when enrolling or increasing your amount of Voluntary Life Insurance. EOI link is available from HR.

Short-term disability insurance helps replace a portion of your income if you are unable to work due to a covered illness or injury.

Benefits-eligible staff may purchase coverage at group rates through payroll deduction. TCU contributes 30% of the premium on behalf of each participating employee.

Coverage Details

Benefit	Coverage
Benefit Amount	60% of weekly salary
Maximum Benefit	$3,000 per week*
When Benefits Begin	After 14 days of disability
Maximum Benefit Duration	24 weeks

How Short-Term Disability Works

If Mutual of Omaha approves your short-term disability claim:

First 14 days: TCU will use your available leave accruals during the elimination period.
After 14 days: Mutual of Omaha will pay 60% of your salary directly to you. Your available TCU leave accruals will cover the remaining 40% through the end of your approved disability period.
Without available leave accruals: You will receive only the 60% short-term disability benefit during the approved period.

How to File a Claim

You may submit a claim to Mutual of Omaha online, by phone, fax, mail or through the employee portal.

View Disability Claim Filing Instructions

Additional forms are available at mutualofomaha.com/support/forms.

All five sections of the claim submission must be completed and signed to help ensure timely processing.

Claims Assistance: 800-388-0388

Benefit payments may be reduced by deductible sources of income, including state disability or Social Security benefits.

Long-term disability insurance provides income protection if you are unable to work for an extended period due to a covered illness or injury.

TCU covers the cost of long-term disability coverage for benefits-eligible staff.

Coverage Details

Benefit	Coverage
Benefit Amount	60% of monthly salary
Maximum Benefit	$15,000 per month*
When Benefits Begin	After 180 days of disability
Maximum Benefit Duration	Social Security normal retirement age, subject to plan provisions

Important: If your disability begins at age 62 or later, your benefits will be subject to a reduced payment schedule. Refer to the plan document for complete details.

How to File a Claim

If you become unable to work due to a covered illness or injury, you may submit a disability claim directly to Mutual of Omaha.

Claims may be submitted online, by phone, fax, mail or through the employee portal.

View Disability Claim Filing Instructions

Additional forms are available at mutualofomaha.com/support/forms.

All five sections of the claim submission must be completed and signed to help ensure timely processing.

Claims Assistance: 800-388-0388

Benefit payments may be reduced by deductible sources of income, including state disability or Social Security benefits.

Income Protection Benefits