Âé¶¹¾«Ñ¡

Submit a LTD Claim

File your LTD claim in four easy steps

  1. Log in to LincolnFinancial.com to download a claim form. Or obtain a claim form from your employer.
  2. Complete the form according to the instructions, making note of three separate sections for you, your employer, and doctor.
  3. Submit a claim using your preferred method. You can file your claim four to six weeks before the date your disability benefits begins.

Supplemental life and AD&D overview

In addition to basic life insurance, supplemental life and AD&D coverage can provide an extra layer of financial protection for you and your loved ones, helping with support in the event of an unexpected death or covered accidental injury. 

Eligibility: All full-time employees

Contribution: You pay the cost of your coverage.

Employee Coverage amount

Lincoln Supplemental Life Insurance

Eligibility: All full-time employees.

Contribution: You pay the cost of your coverage.

Coverage amount: One, two, three, four, or five times annual earnings rounded to the next higher $1,000. This amount may not exceed $1,000,000.

Spouse life coverage: Available in increments of $10,000, not to exceed $250,000.

Dependent children life coverage: Live birth to 26 years: $10,000.

Evidence of insurability: A health statement may be required.

Benefit exclusions

Benefit exclusions

Like any insurance, this life and AD&D insurance policy does have exclusions. 

For life insurance, a suicide exclusion may apply.

For AD&D, benefits won’t be paid if death/dismemberment occurs as the result of:

Lincoln Long-term Disability Coverage: Plan 2

Long-term Disability Information

Eligibility: All eligible full-time 9 month, 10 month, and 12 month employees electing Plan 2.

Contribution: You pay the cost of your coverage.

Coverage amount: 60% of your monthly earnings to a maximum of $6,000 per month.

Elimination period: 180 days.

Evidence of insurability: A health statement may be required.

Pre-existing conditions: 3 months lookback; 12 months after effective date of coverage.

Subscribe to