IQVIA Benefits Handbook
HOW BENEFITS ARE PAID
LTD Overpayments
Any LTD overpayments must be paid back to Lincoln. The plan may offset your LTD benefits in order to recover any overpayments, including wrongful payments made to you in error.
Once your claim is approved by Lincoln, you will begin receiving LTD benefit payments provided you have completed your elimination period and you are still disabled.
Benefits are paid by Lincoln and will be mailed to your address, or paid via direct deposit.
Benefit Offsets by Other Sources of Income
  • The amount for which you are eligible to receive under:
    • Workers' or Workmen's Compensation Laws;
    • Occupational Disease Law;
    • Title 46, United States Code Section 688 (The Jones Act);
    • Railroad Retirement Act;
    • Any governmental compulsory benefit act or law; or
    • Any other act or law of like intent.
  • The amount of any disability benefits which you are eligible to receive under:
    • Any other group insurance plan provided by IQVIA;
    • Any governmental retirement system as a result of your employment with IQVIA ; or
    • Any individual insurance plan where the premium is wholly or partially paid by IQVIA. However, Lincoln will only reduce the monthly benefit if your monthly benefit under this policy, plus any benefits that you are eligible to receive under such individual insurance plan that exceed 100% of your basic monthly earnings. If this sum exceeds 100% of your basic monthly earnings, your monthly benefit under this policy will be reduced by the excess amount.
  • The amount of benefits you receive under IQVIA's retirement plan as follows:
    • The amount of any disability benefits under a retirement plan, or retirement benefits you voluntarily elect to receive as payment under IQVIA's retirement plan; and
    • The amount you receive as retirement payments when you reach the later of age 62, or the normal retirement age as defined in the IQVIA retirement plan.
  • The amount of disability and/or retirement benefits under the United States Social Security Act, the Canada Pension Plan, the Quebec Pension Plan, or any similar plan or act, which:
    • You receive or are eligible to receive; and
    • Your spouse, child or children receives or is eligible to receive because of your disability; or
    • Your spouse, child or children receives or is eligible to receive because of your eligibility for retirement benefits.
  • Any amount you receive from any unemployment benefits.
  • The amount of earnings you receive from any sick leave, salary continuation, employment or severance.