Benefits for 2026
Long Term Disability
SUMMARY OF COVERAGE
Spear also provides employees with employer-paid long term disability coverage for those unexpected situations that may keep you away for longer than expected. Your disability plan is available to help supplement your income when you are not able to continue employment for a certain period of time. Long- term disability benefits may be reduced by benefits received from state disability or temporary worker’s compensation programs. Total benefits received from the policy, state disability, temporary worker’s compensation programs and employers sick pay may not exceed 100% of your income prior to your disability.
Plan Features
Lincoln Benefits
Employee Benefit Amount
60%
Maximum Benefit Amount
$7,500 Monthly
Elimination Period (Accident)
180 Days
Benefit Duration
SS Retirement Age
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2026 Employee Benefit Guide
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