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Long-term disability insurance

When disability keeps an employee out of work for an extended period of time, long-term disability insurance helps protect their finances and provide support as they return to the workplace. Employers can choose from a variety of plans and customize coverage with cost-containment features and other options.
 

Full benefits

  • Employees can earn up to 100% of pre-disability income through partial-disability employment.
  • Total or partial disability can satisfy the elimination period.
  • When appropriate, vocational rehabilitation professionals create personalized programs to help claimants return to work.
  • Our standard reporting package provides key claims information 24/7 online or by email.
  • Employers and employees enjoy easy access to claims, important documents such as certificates, and claims management by phone, IVR, web, fax, email or mail.

Flexible options

  • A choice of plan designs with generous maximums
  • Employer- or employee-paid coverage
  • Optional reimbursement benefits allow employees to:  
    • Pay for workplace accommodations
    • Pay towards COBRA health insurance
    • Add to their retirement savings even when a disability prevents them from earning an income
    • Protect the value of their income replacement from rising prices
  • A Conversion Privilege allows employees to purchase individual long-term disability coverage when they leave their job for reasons other than disability or retirement

Added value

  • Embedded Employee Assistance Program (EAP) services are standardly included with LTD, and provide access to counselors and other assistance for personal, legal, financial and other issues.
  • Enhanced Employee Assistance Program is an optional assistance program, offering all the benefits of embedded EAP, plus many additional features.
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Interested in absence management and FML services?

Lincoln Absence Management help employers navigate the rules of Family Medical Leave (FML), state and company leaves of absences and short-term disability.

Discover our tailored workforce solutions.

Employee assistance services are provided by ComPsych® Corporation, Chicago, IL. or Morneau Shepell, Ontario, Canada. ComPsych® and Morneau Shepell are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

Insurance products (policy series GL3001) 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 or Liberty Life Assurance Company of Boston (Boston, MA). In New York, insurance products (policy series GL3001) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY) or Liberty Life Assurance Company of Boston. All 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.