Provider: Lincoln Financial Group
855-286-1351
MyLincolnPortal.com
Disability Insurance
To assist you financially, you are automatically enrolled in disability coverage through Lincoln Financial Group, which provides partial income replacement if an accident or illness prevents you from working.
Short-Term Disability
Short-Term Disability (STD) coverage provides you with a portion of your earnings if you are unable to work due to a non-work-related illness or injury.
You are automatically enrolled in STD coverage at no cost to you.
If you’re unable to work due to illness or injury, contact Lincoln Financial Group. Once the claim is approved, your disability benefits begin on the day you are injured or after a 7-day waiting period for illness.
| Short-Term Disability (STD) | ||
|---|---|---|
| Percent of Earnings | 60% | |
| Elimination Period | 0 days injury, or 7 days illness | |
| Maximum Duration | 180 days | |
Long-Term Disability
Long-Term Disability pays you a portion of your earnings if you cannot work for an extended period due to a disabling illness or injury.
You are automatically enrolled in LTD coverage at no cost to you. The benefit you receive is considered taxable income.
| Long-Term Disability (LTD) | ||
|---|---|---|
| Percent of Earnings | 60% | |
| Monthly Maximum | $11,000 | |
| Elimination Period | 180 days | |
| Maximum Duration | Up to Social Security Normal Retirement Age | |
Note: STD or LTD benefits may be reduced by other sources of disability income you may qualify for such as state disability programs, Social Security, Workers’ Compensation, etc.
Questions? Please click on Contacts & Resources for help.