Long-Term Disability (LTD) (Lincoln Financial)

Overview: 

Long Term Disability (LTD) is an insurance benefit that provides partial income replacement when an employee is unable to work for an extended period due to illness, injury, or disability. LTD coverage begins after short-term disability benefits expire, after 26 weeks of disability. The benefit pays 60-66.67% of the employee’s base salary (up to monthly limit) and can continue until retirement age. 

1. Summary of Benefits 
   • Note: If you are represented by a bargaining unit, you may not be eligible for the benefits described in the above Summary of Benefits. Please refer to your CBA, which identifies any VNA benefits for which you may be eligible.

Eligibility:

• All exempt, non exempt hourly and/or nonunion employees, working 20 hours or more per week as of date of hire. 
• Union employees  – please consult your CBA to determine your eligibility. 

Cost: 

• LTD Base Plan: Eligible employees are automatically enrolled for company-paid long-term disability
• LTD Buy-up Plan: Employees who are eligible for LTD-Buyup must make the election during the new hire enrollment period or during Annual Enrollment (employee action required during enrollment period)

Questions? 

• Please contact Lincoln Financial Group at 844-247-4446 or online at www.MyLincolnPortal.com (Company Code: VEOLIA) to file a claim or if you have any questions. 

Resources: 

• Summary Plan Description (SPD) – All non-union and union employees represented by a collective bargaining agreement that includes the company standard LTD benefit plan
• Reporting or Viewing Leave Claim Flyer 
• Important Forms
• • Initiate a Leave Claim Form
  • Complete Medical Release Authorization Form and submit to Lincoln. 
  • Give Attending Physician Statement (APS) authorization form to your doctor to complete & submit along with required medical documentation to Lincoln.