Short-Term & Long-Term Disability
Short-Term Disability (STD)
Voluntary Short-Term Disability (Paid by you through payroll deduction) coverage through Lincoln Financial Group, replaces a portion of your income when you are unable to work due to an illness or injury.
This coverage has a pre-existing limitation of 12 months for conditions treated within the six months prior to effective date of coverage. Your election could be subject to medical questions and Evidence of Insurability (EOI).
- Elimination Period: Accident 7 Days
- Elimination Period: Sickness 7 Days
- Benefit Percentage: 60.0%
- Maximum Weekly Benefit: $2,500
- Minimum Benefit: $20.00
- Benefit Duration (Including EP): 13 Weeks
- Work Related Disabilities: Non-Occupational
- Definition of Disability: Own Job
- Basic Weekly Earnings Definition: Salary
- Partial Disability: Work Incentive Benefit
- Successive Periods of Disability: 14 Days
- Pre-Existing Condition Exclusion: 6-12
Short-Term Disability Summary
Report a Disability Claim - Flyer
Long-Term Disability (LTD)
Voluntary Long-Term Disability (Paid by you through payroll deduction) coverage through Lincoln Financial Group, is designed to cover a portion of your salary when you are unable to work due to an accident or illness that occurs 90 days after being deemed disabled and picks up after short-term disability is exhausted.
This coverage has a pre-existing limitation of 12 months for conditions treated within the three months prior to effective date of coverage. Your election could be subject to medical questions and Evidence of Insurability (EOI).
- Elimination Period: 90 days (30 day accumulation period)
- Benefit Percentage: 60.0%
- Maximum Monthly Benefit: $15,000
- Minimum Monthly Benefit: Greater of $100 or 10% of Gross Benefit
- Benefit Duration: Social Security Normal Retirement Age
- Definition of Disability: 24 Month Own Occupation
- Basic Monthly Earnings Definition: Salary
- Pre-Existing Condition Exclusion: 3-12
- Mental & Nervous Limitation: 24 Months
- Substance Abuse Limitation: 24 Months
- Successive Periods of Disability: 6 Months
Long-Term Disability Summary