IQVIA Benefits Handbook
DEFINITION OF DISABILITY
For the purposes of the LTD Plan, your occupation is the activity you regularly perform that serves as your source of income. It is not limited to the specific position you held with IQVIA. It may be a similar position, which entails substantially similar functions that could be performed with IQVIA or any other employer. To determine your qualification for benefits, Lincoln will look at your occupation as it's normally performed in the national economy.
If, as a result of sickness or injury, you are unable to perform the material and substantial duties of your own job on a full-time or part-time basis, you are considered disabled or partially disabled.
With respect to partial disability, you are considered partially disabled if you can perform one or more, but not all, of the duties for your job or all the duties of another job, and are earning between 20% and 80% of your pre-disability earnings.
After 24 months of payments, you are considered disabled or partially disabled when Lincoln determines that, due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.
You must be under the regular care of a physician in order to be considered disabled. The loss of a professional or occupational license or certification does not, in itself, constitute a disability.