Disability Insurance
Our disability insurance benefits help protect your income if you are unable to work due to disability.
You are eligible for Short-term Disability and Basic Long-term Disability at no cost to you the first of the month following your date of hire.
Buy-up LTD
You may choose to purchase Buy-up LTD coverage during Annual Enrollment or as a new hire.
Buy-up LTD provides an additional 15% of income replacement coverage, which would bring your total LTD benefit to 65% of your basic monthly earnings, up to a maximum monthly benefit of $20,000.
The portion of your monthly earnings replaced by the additional Buy-up LTD benefit will include bonuses and commissions.
You are eligible for Short-term Disability and Basic Long-term Disability at no cost to you the first of the month following your date of hire.
Buy-up LTD
You may choose to purchase Buy-up LTD coverage during Annual Enrollment or as a new hire.
Buy-up LTD provides an additional 15% of income replacement coverage, which would bring your total LTD benefit to 65% of your basic monthly earnings, up to a maximum monthly benefit of $20,000.
The portion of your monthly earnings replaced by the additional Buy-up LTD benefit will include bonuses and commissions.
Contact Information
Log in to your personal online Lincoln Financial (formerly Liberty Mutual) account.
Call 888-398-6338 for disability claims (STD, LTD, FMLA).
Description |
Short-Term Disability |
Long-Term Disability |
|---|---|---|
Cost of coverage |
Basic STD is paid for by the company |
Basic LTD is paid for by the company You have the option to purchase additional coverage through the buy-up option |
When benefits begin |
On the sixth day that you are unable to work due to accident, injury or pregnancy |
If you remain unable to work after 90 days |
How much the plan pays |
100% of your eligible pay for the first week, and 70% of your eligible pay for the remaining period of short-term disability |
50% of your Basic monthly earnings (not including bonuses and commissions) up to a maximum monthly benefit of $10,000 If you receive LTD for less than one month, you’ll receive 1/30th of the monthly benefit for each day you are on LTD. If you chose the buy-up option, you will receive 65% of you basic monthly earnings (including bonuses and commissions) |