Lincoln Financial

Long Term Disability insurance provides a cash benefit after you are out of work for 90 days or more due to injury, illness, or surgery.


  • Monthly salary X .00425


Monthly Benefit Amount

  • Monthly Benefit Amount is equal to 60% of your monthly salary, limited to $5,000 per month.
  • Minimum Monthly Amount: $100 or 10% of the Insured Employee’s Monthly Benefit, whichever is greater.

Elimination Period – 90 Days

  • Benefits begin on the 91st day of disability and coverage continues to age 65 or Social Security Normal Retirement Age, whichever is later.
  • Sick Leave MUST be exhausted first, before disability benefits are payable.

Additional Information

Benefit Summary – Long Term Disability

Pre-Existing Condition

  • The Policy will not cover any Total or Partial Disability: which is caused or contributed to by, or results from a Pre-Existing Condition; and which begins in the first 12 months after the Insured Employee’s Effective Date of coverage.
  • “Pre-Existing Condition” means a Sickness or Injury for which the Insured Employee received treatment within
    3 months prior to the Insured Employee’s Effective Date of coverage.
  • “Treatment” means consultation, care or services provided by a Physician. It includes diagnostic measures and
    the prescription, refill of prescription, or taking of any prescribed drugs or medicines.