Page 15 - Sample Life STD LTD Enrollment kit

Now Available to
[Sample Company Employees]:

Short-term disability insurance with affordable group rates

Don’t let time out of work

set you back financially.

The Lincoln Short-term Saving for a rainy day is a nice sentiment. But if you can’t work and don’t

Disability Insurance have enough saved (or don’t want to wipe out your entire savings), there
is another option.
Plan:
Here’s how this important coverage works.
• Provides a cash benefit when 1. If you are out of work due to injury, illness, surgery, or recovery from

you are out of work for up to childbirth, there is a period of time before you begin collecting disability
benefits. This is called the elimination period. You may be covered by
[00 weeks] due to injury,
employer-sponsored sick leave and/or paid time off (PTO) during this time.
illness, surgery, or recovery
2. After the elimination period, you receive [0% of your weekly salary (up to a
from childbirth maximum cash benefit of $000 per week)] until you’re able to return to work
or your [0-week] coverage period ends.
• Provides a partial cash benefit
3. If you are able to perform some of your duties or work part-time, you may be
if you can only do part of your able to receive partial disability benefits while also receiving partial pay from

job or work part time your employer.
4. [You may receive an additional 0% each week if you participate in an approved
• Features group rates for rehabilitation program while you are out of work.]
[Sample employees] A complete Summary of Benefits is included on the next few pages.

• Offers a fast, no-hassle Here’s how little you pay with group rates.

claims process [Your estimated weekly premium is determined Age Premium
by multiplying your weekly salary amount (up to Range Rate
$0,000) by your age-range premium rate. If your [<25] [.00000]
weekly salary exceeds $0,000, multiply $0,000 [25 - 29] [.00000]
by your premium rate.] [30 - 34] [.00000]
[35 - 39] [.00000]
$
[40 - 44] [.00000]
weekly salary
[45 - 49] [.00000]
X [50 - 54] [.00000]
premium rate [55 - 59] [.00000]
[60 - 64] [.00000]
= $ [65 - 69] [.00000]

[Complete and return weekly premium [70 - 74] [.00000]
your Enrollment Form by [75 - 99] [.00000]
Month XX, 2017.] No money is due at enrollment. Your premium simply comes out of your paycheck.