Disability

These voluntary plans provide income protection if you become ill or suffer a non-work-related injury that prevents you from working, replacing a portion of your income during a covered disability.

Disability

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Short-Term Disability

Feature	Detail
Carrier	Lincoln Financial Group
Paid by	Employee
Income replacement	60% of weekly earnings
Maximum benefit	$1,000 per week
Elimination period	7 days (accident/sickness)
Maximum benefit period	12 weeks + elimination period
Pre-existing conditions	3-month lookback; 12-month exclusion period

Carrier

Detail: Lincoln Financial Group

Paid by

Detail: Employee

Income replacement

Detail: 60% of weekly earnings

Maximum benefit

Detail: $1,000 per week

Elimination period

Detail: 7 days (accident/sickness)

Maximum benefit period

Detail: 12 weeks + elimination period

Pre-existing conditions

Detail: 3-month lookback; 12-month exclusion period

STD Notes

Evidence of Insurability (EOI) and pre-existing condition limitations may apply.
Short-Term Disability replaces 60% of your weekly earnings, up to a maximum of $1,000 per week.
STD has a 7-day elimination period (accident/sickness) and a maximum benefit period of 12 weeks plus the elimination period. A 3-month lookback / 12-month pre-existing condition exclusion applies.

Long-Term Disability Insurance

Feature	Detail
Carrier	Lincoln Financial Group
Paid by	Employee
Income replacement	60% of monthly earnings
Maximum benefit	$10,000 per month
Elimination period	90 days
Maximum benefit period	Social Security normal retirement age (w/RBD)
Pre-existing conditions	3-month lookback; 12-month exclusion period