Short-term disability insurance can replace a portion of your regular income while you aren’t working due to childbirth, illness or injury. After all, your bills won’t stop just because you need to recover.
Coverage you need; support you deserve
- We help you get back to work, with a vocational rehabilitation program that includes personalized plans to help you recover.
- If you’re only able to do part of your job or work part time, you can receive partial benefits. When you combine your partial benefits and part-time earnings, you could receive up to 100% of your predisability earnings.
- Your claim for many common diagnoses, including delivery, can be processed within 24 hours.
- If your illness or injury lasts longer, and becomes a long-term disability, we’ll take care of the transition. You won’t have to deal with paperwork (if your short- and long-term disability plans are both from Lincoln).
How short-term disability income insurance works
Lisa signed up for short-term disability insurance when she became a full-time employee two years ago. Recently she learned she has a health condition that will prevent her from working for eight weeks.
Her policy has a maximum benefit of 60% of pay, up to $1,000 a week, and a maximum benefit duration of 13 weeks. Payments can begin after the seven-day elimination period. So Lisa’s benefits begin on the eighth day of her condition.
Sample benefit Statement
|Lisa’s weekly pay||$1000|
|Lisa’s maximum weekly benefit||x 60%|
|Lisa’s weekly benefit||$600|
|Lisa’s approved benefit duration||x 7*|
|Lisa’s total short-term disability benefit (for seven weeks)||$4,200|
*Lisa’s plan includes a seven-day elimination period, so her benefit duration is seven weeks.
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