Disability

Voluntary Long Term Disability (LTD)

Long-Term Disability coverage, through Lincoln, pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury.

LTD coverage for hourly employees replaces 60% of your base salary to a monthly maximum of $2,500 if you are disabled for more than 180 days and are unable to work. You will continue to receive benefits if you meet the definition of disability or reach your Social Security Normal Retirement Age or ADEA. LTD coverage for salaried employees replaces 60% of your base salary to a monthly maximum of $5,000 if you are disabled for more than 150 days and are unable to work. You will continue to receive benefits if you meet the definition of disability or reach your Social Security Normal Retirement Age or ADEA.

Benefits are reduced by other sources of disability income you may qualify for such as Social Security and Workers’ Compensation.

Learn more:

Coverage	Hourly Employees	Salaried Employees
Employee Benefit	60% of monthly pre-disability earnings	60% of monthly pre-disability earnings
Elimination Period	180 days	150 days
Maximum Monthly Benefit	$2,500	$5,000
Minimum Monthly Benefit	Greater of 10% of benefit or $100	Greater of 10% of benefit or $100
Maximum Duration	To Social Security Normal Retirement Age or ADEA	To Social Security Normal Retirement Age or ADEA