Long-Term Disability

While health insurance may cover most medical bills, daily living expenses such as rent or mortgage, car payments, and utilities still need to be paid. Long-Term Disability (LTD) Insurance through Lincoln Financial Group provides partial income replacement if you are unable to work due to a qualifying illness or injury.

If you are unable to work on a continual basis due to illness or injury for more than 90 days (or 12 months for partners), your LTD plan can help. The LTD plan is provided through Lincoln Financial Group and is paid by you. 

Benefits begin after 90 days of disability and generally will continue until you are no longer disabled or reach age 65, whichever occurs first. With the LTD Benefit, you’ll receive 60% of your earnings up to $150,000 (maximum benefit of $7,500 per month).

It is important to note the LTD benefit will be reduced by certain other coverages, such as Social Security disability benefits or other group disability plans you may already have. See plan details for more information.

LTD benefits are not paid for any disability caused by or arising from a pre-existing condition until you are covered by the plan for 12 months.

Learn more on Canvas > Life and career > About me > My benefits.