IQVIA Benefits Handbook
PROPORTIONATE LOSS MONTHLY CALCULATION WITH WORK INCENTIVE BENEFIT
For the first 12 months, the work incentive benefit will be an amount equal to your basic monthly benefit without any reductions from work earnings. The work incentive benefit will only be reduced, if the monthly benefit payable plus any earnings exceed 100% of your basic monthly earnings. If the combined total is more, the monthly benefit will be reduced by the excess amount so that the monthly benefit plus your earnings does not exceed 100% of your basic monthly earnings.
Thereafter, the amount of monthly benefit will be determined as follows:
(A divided by B) x C:
A = Your basic monthly earnings minus your earnings received while partially disabled. This figure represents the amount of lost earnings.
B = Your basic monthly earnings.
C = The monthly benefit plus the earnings you received while partially disabled.
If You are Disabled Due to Mental Illness or Substance Abuse
If you are disabled due to mental illness the lifetime benefit period is limited to 12 months of LTD benefit payments. Because this is a lifetime maximum, this limit will apply even if you have more than one disability period, and even if the disabilities are not continuous or not related.
How Is Mental Illness Defined?
Mental Illness means a psychiatric or psychological condition classified as such in the most current edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM) regardless of the underlying cause of the Mental Illness. If the DSM is discontinued, Lincoln will use the replacement chosen or published by the American Psychiatric Association.
However, if you remain disabled, you can continue to receive benefit payments beyond 12 months if you meet one or both of the following conditions:
  • If you remain in a hospital or institution for mental illness and/or substance abuse at the end of the period of 12 months, the monthly benefit will be paid during the confinement.
  • If you are not confined in a hospital or institution for mental illness and/or substance abuse, but are fully participating in an extended treatment plan for the condition that caused disability, the monthly benefit will be payable for up to a period of 36 months.
In no case will you receive LTD benefit payments beyond your maximum benefit duration, as described in "When Benefit Payments End."