Eligibility Requirements and Accessing Your Disability Benefits
If employees are receiving payment from the short-term disability (STD) program and the claim is approaching the end of the five-month STD period, Lincoln Financial will automatically transition the short-term disability claim to the long-term disability (LTD) program to determine if they are eligible to collect additional benefits.
All benefits-eligible employees are automatically enrolled in the LTD program on the first day of the month after their hire date.
Employees pay for the LTD program through post tax deductions. Premiums are deducted from an employee's earnings each pay period. The amount deducted can be viewed in UConnect or on your most recent Pay Advice.
The cost that you pay for your Long-Term Disability benefits per pay period will increase as of April 1, 2018. The new rate is 0.333/100, based upon your salary. Your April 2018 paycheck will show this increased deduction. There are no changes to the other related Long-Term Disability plan benefits.
Long-Term Disability Benefits
The program pays 66 2/3% of pay if employees continue to be disabled after 180 days (5 months), which coincides with the end of STD payments. While employees are receiving LTD benefits, they are not required to pay the cost for LTD. The deduction automatically begins again once an employee returns to work.
Employees may continue to participate in the health insurance, dental insurance, and other optional benefit programs if the plans allow such participation. Employees must pay the premium cost for these benefits.
The Program Administrator
For More Information
Review the IDM Handbook on the Benefits Publications & Resources website.
Refer to Regulation 4760.