Life & Disability Benefits

Life and disability insurance plans through Prudential can fill financial gaps due to a loss of income. Life insurance can ensure your family is financially secure should the unexpected happen. While disability insurance replaces a portion of your income if you are unable to work due to an illness or injury.

In addition to the company-paid benefits, we offer voluntary coverage that you can purchase for yourself, your spouse, and your children.

Visit Resource Center for more information on submitting a leave request for an illness or injury.

Prudential offers additional resources with ComPsych Guidance Resources. Get help 24/7/365 by calling (800) 311-4327 or visit www.guidanceresources.com using Company ID: GRS311

We do not need to include anything other than the message above for now, will update in phase 2.

Life & Disability Benefits

Short Term Disability

If you are unable to work due to a non-work-related illness or injury, eligible employees may be eligible for Short-Term Disability coverage. Please refer to your designated benefit guide for plan details, costs, and eligibility.

Long Term Disability

You may also be eligible for Long-Term Disability coverage which can be used once your Short-Term Disability benefits are exhausted. Please see your designated benefit guide for plan details, costs, and eligibility.

Voluntary Term Life and AD&D
For additional financial protection, you can elect Voluntary Life and AD&D insurance. You can purchase coverage for yourself, your spouse and your dependent children.

Voluntary Life and AD&D Rates

Age
Employee / Spouse NON-SMOKER weekly rate per $10,000 of coverage
Employee / Spouse SMOKER weekly rate per $10,000 of coverage
< 20
$0.24
$0.42
20-24
$0.24
$0.42
25-29
$0.24
$0.42
30-34
$0.26
$0.44
35-39
$0.34
$0.64
40-44
$0.52
$1.04
45-49
$0.79
$1.72
50-54
$1.17
$2.47
55-59
$1.74
$3.47
60-64
$2.89
$5.35
65-69
$5.29
$8.97

Employee maximum coverage: $500,000. Spouse maximum coverage: $250,000.
For those 70 or over, please see the Empyrean system for rates.

Children

Coverage selected

Weekly flat rate for all children covered

$5000

$0.25

$10,000

$0.50

Frequently Asked Questions

How do I report my FML and/or STD claim?

DBMG and GrayWolf employees can report your request for leave by using one of the three methods below:

  • Call: 1-877-FMLA-MOO (1-877-365-2666) between 7:30am and 9:30pm Central time
  • Website: absencepro.absencemgmt.com
  • Mobile App: Downloading “AbsencePro” from the app store (for Google Play or Apple iOS)

 

DBM, GrayWolf and Banker Steel employees should contact your Benefit/Leave Management Team on or before your first day of absence to report how long you plan to be absent.

When do I call?

DBM and GrayWolf employees should call AbsencePro as soon as you know you will be absent for any of the following reasons:

FML – If you have a serious health condition where you can’t do your job and you plan to be absent from work for:

  • More than three days in a row
  • Hours/days not in a row (intermittent)
  • A hospitalization for any amount of time
  • Birth of a child and care for a newborn child
  • Placement of a child with you for adoption or foster care
  • Care for a spouse, child or parent with a serious health condition
  • Qualifying exigency reason(s) due to a family member’s military deployment
  • Care for a family member who incurred a serious injury or illness in the line of active military duty
  • Family medical appointment
  • Alternate state leave – for yourself or a family member, including state leave laws for crime victims and victims of domestic violence

 

STD – If you plan to be absent from work for more than three days in a row due to your own disability.

What information do I need?

Before you call or go online please have this information handy:

  • Your name, address, phone number, birth date, Social Security number and reason for your leave
  • Date and cause of illness or injury
  • First day of absence from work, as well as day you plan to return to work. If you are pregnant, please give your expected date of delivery
  • Name, address and phone number of each doctor seen for the illness or injury causing the disability
  • Date of first treatment or date of doctor’s appointment, as well as date of next treatment or appointment

 

If Applicable:

  • Previous history of illness or injury, any diagnostic testing that was performed, diagnosis information, treatment plan and recommended medications
What do you need to know after you’ve made a request?
  • DBM and GrayWolf employees will be notified by AbsencePro each time they receive documentation for your absence. A decision packet will be sent via your preferred communication method within 48 hours of receipt of the documentation.
  • When AbsencePro doesn’t receive documentation for your absence in time, they will send a reminder that your certification deadline is coming up and a decision packet once the deadline has passed. You can still submit paperwork after the deadline – it will process it according to your company’s policy regarding late paperwork, which may result in your absence being delayed or denied.

Contact Us

Get help 24/7/365 by calling (800) 316-2796 or visiting www.mutualofomaha.com/eap (Employer ID: G000BM92).

GrayWolf employees: Please contact Trustmark for questions on your Accident and Critical Illness plans by calling (877) 201-9373.