Page 13 - MMCS Benefit Guide 2019 FINAL

Long Term Disability Insurance Benefits (Company Sponsored)

Lincoln Financial Group | Core Long Term Disability

The Company offers you Long Term Disability (LTD) through Lincoln Financial Group to provide income replacement if you
become disabled for an extended period of time. If you become totally and permanently disabled, benefits begin 90 days
after the start of your illness or injury. LTD works with state disability programs, Social Security, and any other group
disability coverage, to provide you with a combined monthly benefit equal to 40% of your pre‐disability salary up to a
maximum benefit of $5,000 per month.

Lincoln Financial Group
Plan Features
Core Long Term Disability
LTD Benefits
Monthly Benefit 40% of monthly income

Maximum Benefit $5,000 a month
Maximum Benefit Duration Age 65 or Social Security Retirement Age
Own Occupation Period 24 Months
Elimination Period 90 Days

Pre-Existing Condition You may not be eligible for benefits if you have received treatment for a condition within 3
months prior to your effective date under this policy until you have been covered under the
policy for 12 months.
Additional Benefits Conversion
• Survivor Income
• Waiver of Premium
• See the Schedule of Benefits on your Certificate for more information
Benefit Limitations Mental Illness/ Substance Abuse: 24 months
Specified Reported Illness: No Limit

Benefit Reductions Your benefits may be reduced if you are receiving benefits from any of the following sources:
• Any compulsory benefit act or law (such as state disability plans);
• Any governmental retirement system earned as a result of working for the current poli-
cyholder;
• Any disability or retirement benefit received under a retirement plan;
• Any Social Security, or similar plan or act, benefits;
• Earnings from any form of employment;
• Workers compensation;
• Salary continuance or employer contributions to an employer sponsored retirement
plan.

*The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limita-
tions and exclusions.

Employee Assistance Program

Lincoln Financial Group | Employee Assistance Program
The Employee Assistance Program (EAP) through Lincoln Financial provides you and your household members with free, con-
fidential assistance to help with personal or professional problems that may interfere with work or family responsibilities and
obligations. Services are available 24 hours a day, 7 days a week via a toll-free nationwide number. You and your household
members can receive up to 4 counseling sessions per person, per incident, per year. Please note that due to California law,
employees residing in California can only use 3 sessions in the first 6 months of the year then the 4th can be used for the
same issue after 6 months.

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