The IQVIA Long-Term Disability Plan (LTD Plan) is designed to provide you with income protection if you're unable to work for an extended period of time because of an injury or illness. As an eligible employee, you automatically receive LTD coverage and IQVIA pays the cost.

The LTD Plan is provided through an insurance policy (GF3-850-292043-01) issued by Lincoln National Life Insurance Company, a Lincoln company (referred to as "Lincoln" throughout this document).

The summary is intended to be a general description of the LTD benefits provided by the policy issued by Lincoln. If there is a conflict between this plan description and the LTD policy regarding services, exclusions, limitations or other provisions the LTD policy will be govern. The benefits described in this summary are subject to the terms and conditions of the LTD policy.

This section explains how the LTD Plan works, including your coverage under the plan if you qualify for benefits.