The LTD Plan will provide you with monthly benefit payments if you are continuously disabled beyond the later of 180 days or the date your short-term disability payments end, if applicable. This period is known as the elimination period. Benefit payments will begin after the elimination period has been satisfied and your claim has been approved by Lincoln.

Your LTD monthly benefit amount is equal to 60% of your monthly earnings, to a maximum of $15,000. (However, you may be eligible for additional amounts if you participate in the "Rehabilitation Incentive Benefit ." The minimum monthly benefit you are eligible to receive is the greater of $100 or 10% of your gross disability payment.