Benefit Exclusions & Reductions
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Additional Plan Benefits Benefits Integration Rehabilitation Assistance
Like any insurance, this short-term disability insurance policy does have some exclusions. You will not receive benefits if: • Your disability is the result of a self-inflicted injury or act of war • Your disability occurs while you are committing a felony or misdemeanor or participating in a riot
Included Included Included Included Included
Family Income Benefit
Portability
Premium Waiver
Evidence of Insurability • When you are first offered this coverage (and during approved open enrollment periods), you may be able to take advantage of this important coverage with no evidence of insurability (proof of health).
Your benefits may be reduced if you are eligible to receive benefits from:
• Sick pay from your employer
• A state disability plan or similar compulsory benefit act or law
Pre-existing Condition
• If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the 3 months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered by the plan for 6 months, unless you received no treatment of the condition for 12 consecutive months after your effective date.
• A retirement plan
• Social Security
• Any form of employment
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern. Group insurance products and services described herein are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.
©2020 Lincoln National Corporation LCN-3366133-121020
Voluntary Short-term Disability Insurance At-A-Glance
STD-ENRO-BRC001
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