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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 99% 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.
  • The Recovery Benefit provides a six-month supplemental benefit for commissioned employees, while they rebuild their commission income to pre-disability income.*
  • Our standard reporting package provides key claims information, accessible 24/7 through the web, email or mail.
  • Employers and employees enjoy easy access to enrollments, claims and certificates, bill and claims management by phone, IVR, web, fax, email or mail.

Flexible options

  • A choice of plan designs with generous maximums, including the full-featured Premier plan, the flexible Advantage Plan and the cost-conscious Value plan
  • Employer- or employee-paid coverage
  • Optional reimbursement benefits allow employees to:
    • 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
    • Receive long-term disability coverage for a spouse
  • 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

  • EmployeeConnectSM services provide access to counselors and other assistance for personal, legal, financial and other issues.
  • EmployeeConnect PlusSM is an optional Employee Assistance Program, offering all the benefits of EmployeeConnect, plus many additional features.

*Not available in California.

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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.

EmployeeConnectSM and EmployeeConnect PlusSM services are provided by ComPsych® Corporation, Chicago, IL. ComPsych® is not a Lincoln Financial Group® company. 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. In New York, insurance products (policy series GL3001) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both 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.