Voluntary Short Term Disability Insurance
Lincoln Financial Group
Online: Lincoln Financial Group | Phone: 800.423.2765
The Lincoln Financial Group is the insurer for the voluntary short term disability insurance. The following information is provided to answer common questions regarding the plan.
What is Short Term Disability Insurance?
Short-term disability is intended to protect your income for a short duration in case you become ill or injured. Coverage is applicable when one is completely unable due to sickness, bodily injury, or pregnancy to perform the material and substantial duties of his/her normal occupation and unable to perform any other occupation for which one is reasonably qualified by education, training, or experience. One must be under the regular care of a physician so that a reasonable program of care and treatment can be maintained. The program is designed for individuals who have a short term illness usually lasting less than 90 days. An employee may be elgible for total or partial disability benefits.
Who is Eligible?
All full-time faculty calendar and staff employees working 30 or more hours per week in an eligible class.
What are the benefits?
Plan Option 1
There is a 15 day elimination period after which an employee will receive 60% of their weekly salary up to $1,000 per week. The duration of the maximum weekly benefit is 11 weeks.
Plan Option 2
There is a 30 day elimination period after which an employee will receive 60% of their weekly salary up to $1,000 per week. The duration of the maximum weekly benefit is 9 weeks.
Benefit Reductions may be reduced if you are receiving benefits from any compulsory benefit, act, or law, such as a state disability plan or if you are receiving sick lelave pay from your employer.
Pre-Existing Condition is applicable if you have received treatment for a condition within the past 12 months until you have been covered under this plan for 12 months.
How do I enroll ?
New hire employees may enroll at the completion of their 6 month probationary/orientation period. You must enroll in 30 days to waive a Statement of Health. If you choose not to enroll at the end of your waiting period, you may enroll during our annual enrollment period, subject to a Statement of Health.
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