IQVIA Benefits Handbook
IF YOU BECOME DISABLED
If you become disabled, notify your supervisor and call Lincoln immediately at 800-213-5608. In addition, you must notify the IQVIA Benefits Marketplace by calling 888-264-9180. If you are injured on the job, you must also call IQVIA Risk Management at 800-526-7094.
The following table outlines how your benefits coverage is affected by becoming disabled. See the Disability Coverage section for more information.
Benefit Plans
How Coverage Is Affected
Health Care Plans (including medical, dental, vision and prescription drug coverage)
  • If you are receiving short-term disability (STD) benefits, your health care coverage remains in effect. Your premium will be deducted from your STD payments.
  • If you are receiving long term disability (LTD) benefits, you may continue your health care coverage if you are still employed by IQVIA by paying your portion of the premium. If you separate from employment, you will be offered COBRA continuation coverage.
Flexible Spending Accounts (FSAs)
  • If you are receiving STD benefits, contributions will continue to be deducted for your Health Care FSA and/or Dependent Care FSA.
Life and Accident Plans
  • If you are receiving STD benefits, all current coverage remains in effect. Any applicable premiums for optional life/voluntary AD&D coverage will be deducted from your STD payments. Business travel accident coverage ends on the day you become disabled.
  • If you are receiving LTD benefits, your life insurance coverage may continue up to age 70 without any premium contribution as outlined in the continuation of coverage during disability provision.
  • You and/or your dependents may convert to an individual policy within 30 days of when your coverage ends.
401(k) Plan
  • If you are receiving STD or LTD benefits, your 401(k) contributions will not be deducted from your pay.
  • You may elect to roll over your account value at the LTD effective date or have the account paid to you. Lincoln must determine that you are disabled and you must be coded as "terminated" before any distribution may be processed.
  • If you have the account paid to you (not rolled over), you should consult a tax advisor for tax consequences on the distribution.
  • Check with Lincoln to evaluate the impact of a 401(k) payout on your LTD benefit, if any.
Other Benefits
  • The continuation of benefits such as the Employee Assistance Program (EAP), Healthy You (employee well-being), Supplemental Medical Plans (Critical Illness, Accident and Hospital Indemnity insurance), Identity Theft, Legal Assistance, Adoption Assistance, and Education Assistance depends on your type of disability leave.
    • If you are on STD, your Education Assistance benefits are suspended until you return to work; your other benefits will continue
    • If you are on LTD, your Adoption Assistance and Education Assistance will be suspended until you return to work. (This does not apply to the EAP, Healthy You, Identity Theft, or Legal Assistance.)