Henriksen Butler / Disability Insurance

Who pays for this coverage?Is Maternity Leave covered?What percent of my earnings will I receive?

Plan Options: Short-Term and Long-Term Disability
Disability insurance can help to replace a portion of your income when you are unable to work. For many people, unplanned time away from work can make it difficult to manage household costs. If you are unable to work due to a covered injury, illness, or even childbirth, Disability Insurance can provide an ongoing benefit to help keep your finances stable.

(800) 423-2765 | lincolnfinancial.com

Short-Term Disability Group #000010246959
Long-Term Disability Group #000010246958

Disability Insurance

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Short-term Disability

Benefits Begin: There is a waiting period before benefits are payable. Benefits begin on the 15th day of injury or illness.
Weekly Benefit: 60% of weekly earnings, not to exceed the plan’s maximum weekly benefit amount less other income sources.
Maximum Benefit Period: Benefits are available for up to 11 weeks.
Maximum Weekly Benefit: $2,300
Pre-existing Condition Limits*: None
Henriksen Butler pays 100% of the premium.

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Long-term Disability

Benefits Begin: There is a waiting period (elimination period) before benefits are payable. Benefits begin on the 91st day of disability.
Monthly Benefit: 60% of monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources.
Maximum Benefit Period: Social Security Normal Retirement Age
Maximum Monthly Benefit: $10,000
Pre-existing Condition Limits*: Coverage is excluded for disabilities that occurred during
the 3 months prior to coverage beginning throughout the first 12 months of coverage.
Henriksen Butler pays 100% of the premium.

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* Pre-existing Condition Limits: Pre-existing conditions include bodily injury, sickness, mental illness, pregnancy, and substance abuse. Lincoln reserves the right to review medical records up to 3 months prior to your effective date to evaluate pre-existing conditions upon filing a claim.

This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations, and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.