LONG-TERM DISABILITY LINCOLN FINANCIAL GROUP
800-423-2765 | LFG.COM GROUP NUMBER: 1025385 If you are unable to work for an extended period of time due to an illness or injury, long-term disability (LTD) coverage can provide you with a source of income when you need it most.
If you are eligible to receive benefits from Social Security, Disability (state or federal), and/or Workers’ Compensation, your LTD benefits will be reduced by that amount.
Benefit
All Others
Drivers
Benefits Begin
91st day
91st day
Benefits Payable
SSNRA
2 years
% of Income Replaced
60%
60%
Monthly Maximum Benefit
$5,000
$2,000
Pre-Existing Condition*
3/12
3/12
*Any Injury or Sickness for which you received medical treatment, advice or consultation, care or services, including diagnostic measures, or had drugs or medicines prescribed or taken in the 3 months prior to the day you become insured under the Policy. The carrier will not provide benefits for any Disability caused by, attributable to, or resulting from a Pre-existing Condition which begins in the first 12 months after you are continuously insured under the Policy.
Voluntary Long-Term Disability Bi-Weekly Cost per $100 of Monthly Benefit
Age
Under 30
$.00115
30-34
$.00175
35-39
$.00268
40-44
$.00388
45-49
$.00572
50-54
$.00822
55+
$.00932
Calculate Your Voluntary LTD Payroll Deduction 1. Enter your Monthly Earnings *Depending on your election, your maximum monthly earnings may be capped to not exceed the maximum monthly benefit
Line 1: $
2. Multiply Line 1 by the age banded rate above. This is your per paycheck cost.
Line 2: $
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