Disability
Short term disability
Long term disability
What would you and your family do if you became ill or suffered an injury and were not able to work? Short Term Disability and Long Term Disability are income protection plans that replace part of your income in these situations.
If you are unable to work due to pregnancy or a non-occupational illness or injury, Short Term Disability (STD) benefits replace a portion of your weekly salary for disabilities that last up to 52 weeks.
- Benefit amount (based on income): If you make $62,025.60 or less per year, the weekly benefit is 90% of your basic weekly earnings. If you make $62,025.60 or more per year, the weekly benefit is 70% of basic weekly earnings. The minimum weekly benefit is $50 and the maximum weekly benefit is $4,375.
- When benefits begin: on the 8th day of disability.
- How long benefits are paid: until your disability ends, up to a maximum of 52 weeks.
Short term disability coverage is employee-paid and voluntary. However, some states require disability insurance. If you live in such a state, and you decline the Company short term disability plan, you will be automatically enrolled in the state plan and will have a payroll deduction for the state-mandated coverage.
STD benefits will be reduced by any other disability benefits you may be eligible to receive, such as Social Security, Workers' Compensation, state disability insurance, etc. You pay for the cost of STD coverage with after-tax dollars, so if you become disabled, benefits are not taxable when paid to you.
To file a claim, contact the Benefits Department at 800-421-1968.
For disabilities that last longer than 52 weeks, the Company provides Long Term Disability (LTD) coverage at no cost to you.
- Benefit amount: 65% of gross monthly pay, up to a maximum benefit of $17,500 per month.
- When benefits begin: after 52 weeks of disability
- How long benefits are paid: the maximum LTD benefit period depends on your age at the time of disability and how long you continue to be disabled. Other conditions may apply.
Your benefit amount will be reduced by any other disability benefits and work-related income you may be eligible to receive. Because LTD coverage is Company-paid, benefits will be taxable when paid to you.
Plan provisions, limitations, and exclusions apply.
To file a claim, contact Lincoln Financial at 844-243-7758.
For more information
See the Disability summary plan descriptions for more information about these benefits