Page 9 - 2016 Enrollment
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Long Term Disability
Voluntary Long Term Disability (LTD)
We recognize the inancial hardship which a non-work related injury or illness
resulting in lost time from work can have for you and your family. You may purchase
Long Term Disability coverage to protect your income lost during an extended
absence from work due to an injury or illness.
If you meet the total or partial deinition of disability as determined by Lincoln
Financial Group, you will be eligible to receive a beneit equal to 60 percent of
your pre-disability earnings up to $5,000 per month until Social Security Normal
Requirement Age or until you are no longer disabled. LTD beneits are payable as of
the 91st day of disability.
Voluntary LTD Monthly Cost
Monthly earnings (maximum covered payroll is
$8,333) $
Multiply by your premium factor x
Your estimated monthly cost* $
* This is an estimate of premium cost. Actual deduction may vary slightly due to rounding and
payroll frequency.
Factor by Age
Attained Age Premium Factor
Under age 29 0.0010
30–34 0.0016
35–39 0.0027
40–44 0.0041
45–49 0.0057
50–54 0.0073
55–59 0.0094
60–64 0.0079
65–69 0.0062
Please refer to the Summary Plan Description for detailed information on
covered beneits.
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Voluntary Long Term Disability (LTD)
We recognize the inancial hardship which a non-work related injury or illness
resulting in lost time from work can have for you and your family. You may purchase
Long Term Disability coverage to protect your income lost during an extended
absence from work due to an injury or illness.
If you meet the total or partial deinition of disability as determined by Lincoln
Financial Group, you will be eligible to receive a beneit equal to 60 percent of
your pre-disability earnings up to $5,000 per month until Social Security Normal
Requirement Age or until you are no longer disabled. LTD beneits are payable as of
the 91st day of disability.
Voluntary LTD Monthly Cost
Monthly earnings (maximum covered payroll is
$8,333) $
Multiply by your premium factor x
Your estimated monthly cost* $
* This is an estimate of premium cost. Actual deduction may vary slightly due to rounding and
payroll frequency.
Factor by Age
Attained Age Premium Factor
Under age 29 0.0010
30–34 0.0016
35–39 0.0027
40–44 0.0041
45–49 0.0057
50–54 0.0073
55–59 0.0094
60–64 0.0079
65–69 0.0062
Please refer to the Summary Plan Description for detailed information on
covered beneits.
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