Mutual of Omaha’s STD policies are portable and can be taken with you even if you change jobs. Longer elimination periods of 180, 365, and 730 days are also available. Elimination periods are available in lengths of 30, 60, and 90 days. Policies come full of built-in benefits, such as a survivor benefit, waiver of premium benefit, guaranteed renewability, rehabilitation coverage, and up to six weeks of leave for maternity. Short-term disability coverage through Mutual of Omaha is some of the most comprehensive and benefit-rich around. It offers insurance coverage across the country, though not all policies are available in all states. Mutual of Omaha has been around since 1909 and has an A+ (Superior) financial strength rating from AM Best. Monthly benefits are available up to $20,000, and policies can be issued through age 61. ![]() This insurer provides up to 10 years of benefits (much longer than many other companies allow), with some policies offering coverage as soon as 30 days after your eligible disability. Taking the top spot for best overall short-term disability insurance coverage is Mutual of Omaha.
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