IQVIA Benefits Handbook
WHEN BENEFIT PAYMENTS END
Your LTD benefit payments will end on the earliest of the following dates:
  • The date you are no longer disabled according to this policy.
  • The date you fail to provide proof of continued disability or partial disability, or fail to cooperate in the administration of your claim.
  • The date you refuse to appropriate available treatment, or to be evaluated at reasonable intervals.
  • The date you are able to work on a part-time basis but choose not to.
  • If you are working, the date your monthly disability earnings are more than 80% of your pre-disability monthly earnings.
  • The date you reach the maximum benefit duration, as shown in the following table:
If you become disabled…
Your maximum benefit duration will be…
Before age 60
To age 65, but not less than five years
At age 60
60 months
At age 61
48 months
At age 62
42 months
At age 63
36 months
At age 64
30 months
At age 65
24 months
At age 66
21 months
At age 67
18 months
At age 68
15 months
At age 69 or older
12 months
  • The date you are no longer disabled under the terms of the plan, unless you are eligible to receive assistance under the "Rehabilitation Incentive Benefit ."
  • The date you fail to submit proof of your continuing disability to Lincoln.
  • The date you die.
If You Die
If you die while receiving LTD benefit payments, your eligible survivor(s) will receive a lump-sum benefit equal to three times your last monthly benefit, if you had been considered disabled for 180 days. If you qualify for this lump-sum benefit but have no eligible survivor(s), payment will be made to your estate.