Long-term disability (LTD) benefits provide you with income protection if you are unable to work for an extended period of time due to injury or illness. While you are absent from work, LTD benefit payments replace 60% of your monthly earnings, to a maximum of $15,000 per month.

To qualify for LTD benefits, you must be disabled under the terms of the plan, as described under "Definition of Disability." You must also satisfy an "elimination period," or a period of time that must pass before LTD payments can begin.

LTD payments continue for as long as you remain disabled. Lincoln may request proof of your continued disability from time to time.

Benefit payments under the LTD Plan are reduced by other sources of income you receive (or are entitled to receive) as a result of your disability. This would include, but is not limited to, any Social Security or retirement plan disability benefits, benefits from another disability insurance plan for which you are eligible or payments you receive under a Workers' Compensation law, occupational disease law or similar law.

A short list of these other sources of income, or "benefit offsets," can be found in "How Benefits Are Paid." For a full list of benefit offsets that may apply, contact Lincoln at 800-213-5608 or visit www.mylincolnportal.com (Company Code: IQVIA).

No. Unlike life insurance coverage, your LTD coverage cannot be converted after you leave.