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Short-term disability insurance protects

your paycheck and so much more.

Many medical conditions can keep you out of work. After all, you need time to recover. But you
also need to keep up with your financial obligations during this time.

Short-term disability insurance from Lincoln Financial Group can help. If you are out of work for
a limited period due to injury, illness, surgery, or recovery from childbirth, you receive a weekly
cash benefit.
For example, if you are laid up for a few weeks following a surgery:

• You have a certain number of days before your short-term disability insurance kicks in
(called an elimination period). During this time, you may be able to use sick days or
PTO (paid time off).

• After this period, you receive a weekly cash benefit until you’re able to return to work
or your coverage period ends.

It pays to have short-term disability insurance.

Short-term disability is a simple way to protect your paycheck when you can’t work. You
receive a cash benefit each week you are disabled to help you keep up with your expenses,
such as:

• the rent (or mortgage) • car payments and repairs
• child care • groceries
• medical bills • utilities and more

It’s affordable, too,

with group rates.

Group rates are typically more
affordable than what you might pay for
an insurance plan on your own. And
with payroll deduction, no money is
due now — your premium simply
comes out of your paycheck.

The Lincoln National Life Insurance Company