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Long Term Disability Insurance Benefits (Buy-Up)

Lincoln Financial Group | Buy-Up Long Term Disability Insurance

The Company offers you the opportunity to purchase additional Long Term Disability (LTD) at discounted group rates,
through Lincoln Financial Group. 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 60% of your pre‐disability salary up to a maximum benefit of $10,000
per month. If you are no longer in your initial eligibility period, you may enroll anytime during the year as long as you
provide proof of good health. You will be asked to complete a health questionnaire and are subject to insurance carrier
approval.

Lincoln Financial Group
Plan Features
Buy-Up Long Term Disability
Buy-Up LTD Benefits
Monthly Benefit 60% of monthly income
Maximum Benefit $10,000 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

Eligibility If you are a regular full-time active employee working 30 or more hours per week, you are able
to take advantage of this coverage.

Buy-Up LTD Plan Rate Monthly Salary x 0.00120

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

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