Mother and daughters making some food.

Short-term disability insurance

Short-term disability insurance can replace a portion of your regular income while you aren’t working due to childbirth, illness or injury. After all, your bills won’t stop just because you need to recover.

Coverage you need; support you deserve

  • We help you get back to work, with a vocational rehabilitation program that includes personalized plans to help you recover.
  • If you’re only able to do part of your job or work part time, you can receive partial benefits. When you combine your partial benefits and part-time earnings, you could receive up to 100% of your predisability earnings.
  • Your claim for many common diagnoses, including delivery, can be processed within 24 hours.
  • If your illness or injury lasts longer, and becomes a long-term disability, we’ll take care of the transition. You won’t have to deal with paperwork (if your short- and long-term disability plans are both from Lincoln).

How short-term disability income insurance works

Lisa signed up for short-term disability insurance when she became a full-time employee two years ago. Recently she learned she has a health condition that will prevent her from working for eight weeks.

Her policy has a maximum benefit of 60% of pay, up to $1,000 a week, and a maximum benefit duration of 13 weeks. Payments can begin after the seven-day elimination period. So Lisa’s benefits begin on the eighth day of her condition.

Sample benefit Statement

 
Lisa’s weekly pay $1000
Lisa’s maximum weekly benefit x 60%
Lisa’s weekly benefit $600
Lisa’s approved benefit duration x 7*
Lisa’s total short-term disability benefit (for seven weeks) $4,200

*Lisa’s plan includes a seven-day elimination period, so her benefit duration is seven weeks.
 

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