IQVIA Benefits Handbook
IF YOU BECOME TERMINALLY ILL
If you become terminally ill and need to take a leave of absence, 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.
The following table outlines how your benefits coverage is affected by becoming terminally ill.
Benefit Plans
How Coverage Is Affected
Things to Consider
Health Care Plans (including medical, dental, vision and prescription drug coverage)
  • Your coverage will not be affected if you are able to continue to work.
  • 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.
  • Check to see if you are covered for hospice care.
Flexible Spending Accounts (FSAs)
  • Your coverage will not be affected if you are able to continue to work.
  • If you are receiving STD benefits, contributions will continue to be deducted for both accounts.
 
Life and Accident Plans
  • Review your beneficiary designations, and make changes as necessary. The 30-day limit does not apply.
  • If you qualify, Lincoln allows you access to up to the lesser of 80% of your life insurance benefit or $250,000 (AD&D is not included). At your death, any remaining benefits will be paid to your beneficiary. There are no restrictions as to how you spend the money. You may want to consult with a tax advisor before choosing this option.
401(k) Plan
  • Review your beneficiary designations.
 
Other Benefits
  • Other 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 are always available to you while you are actively at work or on STD. Education Assistance will be suspended until you return to work. If you are on LTD, Adoption Assistance will also be suspended while you are out.
  • If you are an eligible employee, you can make changes to your Commuter Benefits at any time.
  • The Employee Assistance Program (EAP) can provide resources and bereavement counseling for your eligible dependents.
  • For Commuter Benefits, if your commuting expenses will change, decide if you want to establish, drop, or change your coverage.