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Voluntary Short-Term Disability Insurance

The Lincoln Short-Term Disability Insurance Plan At-A-Glance

  • Provides a cash benefit when you are out of work for up to 24 weeks due to injury, illness, surgery, or recovery from childbirth.
  • Provides a partial cash benefit if you can only do part of our job or work part time.
  • Features group rates for Open Door employees.
  • Offers a fast, no-hassle claims process.

Short-Term Disability Coverage

Weekly benefit amount60% of your weekly salary, limited to $1,200 per week
Sickness elimination period14 days
Accident elimination period14 days
Maximum coverage period24 weeks

Sickness Elimination Period

You must be out of work for 14 days due to an illness before you can collect disability benefits. You can begin collecting benefits on day 15.

Accident Elimination Period

You must be out of work for 14 days due to an accidental injury before you can collect disability benefits. You can begin collecting benefits on day 15.

Pre-Existing Condition

If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the first three months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered by the plan for 12 months.

Benefits Integration

Your short-term disability benefits can coordinate with income from other sources, such as continued income or sick pay from your employer, during your disability.

This allows you to receive up to 100% of your pre-disability income.

Per Pay Rates

Semi-monthly Premiums for Short-Term Disability Insurance

$___________________ X __ ___ = $_________________________
weekly salary premium factor semi-monthly premium

Age RangePremium Factor
0-240.02376
25-290.02829
30-340.02613
35-390.01920
40-440.01539
45-490.01497
50-540.01932
55-590.02325
60-640.02805
65-690.03069
70-740.03435
75-990.03435
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