Page 16 - 2025 US Neuro LLC - Benefit Guide
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Employer PAID Long Term Disability (LTD):
Lincoln Financial Group
Long-Term Disability Coverage
US Neuro, LLC provides all full time employees with 100% Employer PAID Long-term Disability (LTD) insurance,
which pays you a portion of your salary while you’re away from work or recovering from a covered illness or
injury.
Why is this coverage valuable?
When you’re unable to collect your normal paycheck due to injury or illness, your disability policy provides
money that can help you pay your bills.
• Benefits begin after 90 days after an injury or illness
• Benefits can continue up to Age 65 or Normal Social Security Retirement Age
• Benefit Amount pays up to 60% of your income.
• Maximum Monthly Benefit paid is up to $7,000 based on your income
• Additional 10% up to $5,000 for Progressive Income Benefit
• Pays for Disabilities caused by accident and/or sickness
Definition of Disability:
Total Disability means that, due to an injury or sickness, an employee is unable:
1. During the ELIMINATION PERIOD and the "OWN OCCUPATION" Period, to perform each of the main
duties of his or her regular occupation; and
2. After the "OWN OCCUPATION" Period, to perform each of the main duties of any occupation which
his or her training, education or experience will reasonably allow.
PRE-EXISTING CONDITION:
• ·received medical treatment, consultation, care, or services; or
• ·took prescription medication or had medications prescribed;
• in the 3 months before Your insurance under this certificate takes effect.
We will not pay benefits for a Disability that results from a Pre-existing Condition, if You have been Actively at
work for less than 12 consecutive months after the date Your Disability insurance takes effect under this certifi-
cate.
Reasonable Accommodation - 50% up to $5,000
Vocational Rehabilitation **Please see Plan Summaries for Limitations
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