LM_SW_Benefits Guide 2024

Long-Term Disability

LONG-TERM DISABILITY Flexible LTD replaces some income lost if you are disabled and unable to work. You have the ability to choose the coverage that is most appropriate for your income protection needs. You may choose from either Plan #1 or Plan #2 outlined below. The only difference is the elimination period.

BENEFIT

LTD PLAN 1

LTD PLAN 2

Benefit Percentage

60% of monthly earnings

60% of monthly earnings

Definition of Disability (Unable to work)

24 months own occupation; any occupation thereafter

24 months own occupation; any occupation thereafter

Maximum Monthly Benefit

$10,000

$10,000

$100 or 10% of monthly benefit before deductions for other income benefits*

$100 or 10% of monthly benefit before deductions for other income benefits*

Minimum Monthly Benefit

Elimination Period

90 days

180 days

12 Months for conditions treated within the 3 months prior to effective date of coverage

12 Months for conditions treated within the 3 months prior to effective date of coverage

Pre-existing Conditions Limitations

*Other benefits may include income received by CNG’s salary continuation plan, Social Security, etc.

OPEN ENROLLMENT Evidence of Insurability (EOI) is not required if you are electing coverage below the guaranteed coverage limit. For those requiring EOI, refer to the link in ADP to complete the electronic EOI form. Once you submit, Lincoln Financial will review and notify you of their decision.

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QUESTIONS? Call BenefitsVIP ® at 866.286.5354