[Text on Screen – State of Nebraska Disability]

[Text on Screen – Nebraska Dept. Of Administrative Services]

[Text on Screen – United Healthcare]

 

If a serious injury or health issue kept you from working for a period of time, would you be able to cover your monthly expenses?

 

 

[Text on Screen – Would you be able to cover your monthly expenses?]

[Text on Screen – UnitedHealth Group Video Proof]

 

For many families, it would be a struggle.

 

[Text on Screen – It would be a struggle]

 

That’s why United Healthcare offers financial protection and peace of mind, with short term and long term disability plans.

 

[Text on Screen – Short term. Long term]

[Text on Screen – Short-Term Disability]

 

Short term disability offers weekly income to help cover family expenses or medical bills.

 

[Text on Screen- Family expenses, Medical bills]

 

The plan will pay 60% of your paycheck each week that you have a qualifying disability.

 

[Text on Screen – 60% of your paycheck]

 

Benefits start on the first day of an injury

 

[Text on Screen – 1^st day of injury]

or the 8^th day of a sickness

 

[Text on Screen – 8^th day of sickness]

 

and continue up to a maximum of 26 weeks.

 

[Text on Screen – 26 weeks]

 

Short-term disability payments will be reduced by other income, such as sick leave payments received from the State of Nebraska.

 

[Text on Screen – Short-Term Disability payments will be reduced by other income]

[Text on Screen – UnitedHealthGroup video proof]

 

If you are enrolled in both short-term and long-term disability,

 

[Text on Screen – Long-Term Disability]

 

coverage continues automatically when short-term disability ends.

 

[Text on Screen – Coverage continues automatically when Short-Term Disability ends]

 

Long-term disability pays 60% of your paycheck each month you qualify.

 

[Text on Screen – Long-Term Disability pays 60% of your paycheck each month you qualify]

 

Benefits start 180 days after the illness or disability.

 

[Text on Screen – Benefits start 180 days after the illness or disability]

 

If you do not enroll in this benefit as a new hire,

 

[Text on Screen – If you no not enroll as a new hire]

 

you will need to provide evidence of insurability to prove your physical condition.

 

[Text on Screen – Evidence of insurability]

 

Both the short term and long-term disability plans have an exclusion for pre-existing conditions.

 

[Text on Screen – Short Term, Long Term]

[Text on Screen – Exclusion for pre-existing conditions]

 

This means you will not be covered during the first 12 months after your effective date,

 

[Text on Screen – 12 months after your effective date]

 

if your disability was caused or contributed to

 

[Text on Screen – Caused or contributed to by a pre-existing condition]

 

by a pre-existing condition that you had up to three months prior to your effective date.

Due to the complex nature of disability claims, it’s not possible to provide answers to questions related to hypothetical claims.

Both plans offer extra resources and benefits, to support you at no additional cost.

 

[Text on Screen – Extra Resources and Benefits]

[Text on Screen- Support at no additional cost]

 

If you are able to work part-time,

 

[Text on Screen – Part-time]

 

you may still be eligible to receive partial short-term or long-term disability benefits,

 

[Text on Screen – You may be eligible to receive partial Short-Term or Long-Term Disability benefits]

 

until you are ready to return to your full-time schedule.

 

 [Text on Screen – Full-time]

 

Disability specialists are ready to help determine the safest and quickest way to get you back to work and back to earning your full paycheck.

The long-term disability plan

 

[Text on Screen – 24/7 Employee Assistance Program]

 

also offers 24/7 Employee Assistance Program for confidential support and a workplace modification benefit.

 

 [Text on Screen – Workplace modification benefit]

 

All to accommodate your safe return.

The monthly premium

 

[Text on Screen – Monthly premium]

 

for both short-term and long-term disability benefits are based on your age and salary.

 

 [Text on Screen – Age]

[Text on Screen – Salary]

 

For more detailed information, please review the Certificate of Coverage and the monthly premium calculation worksheets,

[Text on Screen – Certificate of Coverage]

[Text on Screen – Premium calculation worksheets]

 

available on the State of Nebraska benefits website.

 

[Text on Screen – Nebraska Dept. of Administration Services]

[Text on Screen – United Healthcare]

[Text on Screen – Visit the State of Nebraska benefits website das.nebraska.gov/benefits]

[Text on Screen – This video includes general information about your medical benefit plan. This summary is not a plan document under which the plan is maintained and administered. Any discrepancies between this information and your plan documents will be governed by the plan documents.]