SECTION 4 - DISABILITY INCOME BENEFITS
LONG TERM DISABILITY COVERAGE Disability Benefit When is Your Disability Benefit Payable?
When Lincoln receives Proof that you are Disabled due to Injury or Sickness and require the Regular Attendance of a Physician, Lincoln will pay you a Monthly Benefit after the end of the Elimination Period, subject to any other provisions of this plan. The benefit will be paid for the period of Disability if you give to Lincoln Proof of continued: 1. Disability; 2. Regular Attendance of a Physician; and 3. Appropriate Available Treatment. The Proof must be given upon Lincoln's request and at your expense. In determining whether you are Disabled, Lincoln will not consider employment factors including, but not limited to, interpersonal conflict in the workplace, recession, job obsolescence, paycuts, job sharing and loss of a professional or occupational license or certification. For purposes of determining Disability, the Injury must occur and Disability must begin while you are insured for this coverage. The Monthly Benefit will not: 1. exceed your Amount of Insurance; or 2. be paid for longer than the Maximum Benefit Period. The Amount of Insurance and the Maximum Benefit Period are shown in the Schedule of Benefits. Amount of Disability Monthly Benefit To figure the amount of your Monthly Benefit: 1. Take the lesser of: a. your Basic Monthly Earnings multiplied by the benefit percentage shown in the Schedule of Benefits; or b. the Maximum Monthly Benefit shown in the Schedule of Benefits; and then 2. Deduct Other Income Benefits and Other Income Earnings, (shown in the Other Income Benefits and Other Income Earnings provision of this policy), from this amount. The Monthly Benefit payable will not be less than the Minimum Monthly Benefit shown in the Schedule of Benefits. However, if an overpayment is due to Lincoln, the Minimum Monthly Benefit otherwise payable under this provision will be applied toward satisfying the overpayment.
Long Term Disability Standard Integration
ADOC-LTD-1
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