Voluntary Short-Term Disability Insurance                    Specialty Worksite
SUMMARY OF BENEFITS


Sponsored by: East Baton Rouge Parish School System Effective date: January 1, 2009

Short-term disability is intended to protect your income for a short duration in case you become ill or injured.

Eligibility All full-time active employees working 25 or more hours per week in an eligible class are eligible for coverage on the policy effective date.
 
Maximum Weekly Benefit 60% of weekly salary up to $1,000 per week
 
Maximum Benefit Duration 26 weeks
 
Elimination Period Benefits begin on:
8th day from an accident
8th day from an illness
 
 
Pre-Existing Condition You may not be eligible for benefits if you have received treatment for a condition within the past three months until you have been covered under this plan for six months.
 
Waiver of Premium You will not be required to pay premium during any time of approved total or partial disability.
 
Enrollment You are able to take advantage of this coverage now without a health examination. You may not be offered this opportunity again until your annual open enrollment.
 
Integration of Benefits The benefits from this policy will be reduced by benefits you may receive through state disability or your employers sick pay plan.


    EXAMPLE
John Doe
List your weekly earnings
(*Maximum covered payroll is $1,667 Weekly )
$________________________ $610
Multiply by _________________________ 0.0558
Your Estimated Monthly Premium $________________________ $34.04
    (Please see other side)


Understanding Your Benefits
Total Disability You are considered totally disabled if, due to an injury or illness, you are unable to perform each of the main duties of your regular occupation.
 
Partial Disability You are considered partially disabled if you are unable, due to an injury or illness, to perform the main duties of your regular occupation on a full-time basis. Partial Disability benefits may be payable if you are earning at least 20% of the income you earned prior to becoming disabled, but not more than 99%. Partial disability benefits allow you to work and earn income from your employer as well as continue to receive benefits, which may enable you to receive 100% of your income during your time of disability.
 
Continuation of Disability If you return to work full-time but become disabled from the same disability within two weeks of returning to work, you will begin receiving benefits again immediately.
 
Pre-Existing Condition Any sickness or injury for which you have received medical treatment, consultation, care, or services (including diagnostic measures or the taking of prescribed medications) during the specified months prior to the coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months following the coverage effective date.
 
Benefit Exclusions You will not receive benefits in the following circumstances:
  • Your disability is the result of a self-inflicted injury.
  • You are not under the regular care of a doctor when requesting disability benefits.
  • Your disability is covered under a workers compensation plan and/or is due to a job-related sickness or injury.
  • You are receiving payment under a salary continuance or retirement plan sponsored by the group policyholder.
 
Benefit Reductions Your benefits may be reduced if you are receiving benefits from any of the following sources:
  • Any governmental retirement system earned as a result of working for the current policyholder;
  • Any disability or retirement benefit received under a retirement plan;
  • Any Social Security, or similar plan or act, benefits;
  • Earnings the insured earns or receives from any form of employment.
 
Benefit Termination This coverage will terminate when you terminate employment with this policyholder, or at your retirement.


For assistance or additional information
Contact Lincoln Financial Group at (800) 423-2765 or email
clientservices@lfg.com.

NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern.

©2008 Lincoln National Corporation

Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations.