Your Disability Plan
 
Louisiana Tech University is proud to offer disability benefits for university employees from Lincoln Financial Group. There are certain rules of the plan you need to be aware of, some of which are outlined below:

Long Term Disability
(Required Coverage / Payroll Deduction for all Unclassified Employees)


Rates
Rate: $0.39 per $100 of Covered Salary

To calculate the per-paycheck cost for this coverage, complete the calculations below.
Note: If your annual salary exceeds $100,000, use $100,000 as your annual salary in the calculation.

_________100 = __________X__________=____________________ = ___________
Annual Salary
 
Your Rate
Annual Cost
# Paychecks per Year
Cost per Paycheck
* Final cost may vary slightly due to rounding.
  • Guarantee Issue
    • Current Employees: If you enroll on or before the enrollment deadline, coverage is available to you without answering any medical questions or providing evidence of insurability. After the enrollment period, your coverage will be medically underwritten, and you will be required to qualify based on information you provide on your overall medical health including routine, planned, unplanned or ongoing medical care or consultation. This review may result in a declination of coverage.
    • Newly Hired Employees: You may apply for coverage without answering any medical questions or providing evidence of insurability if you apply for coverage within 31 days after your eligibility date. If you apply more than 31 days after your eligibility date, your coverage will be medically underwritten, and you will be required to qualify based on information you provide on your overall medical health including routine, planned, unplanned or ongoing medical care or consultation. This review may result in a declination of coverage.
  • Benefit Amount Monthly LTD Benefit:
    • 60% of your monthly earnings
    • To a maximum of $5000
  • Elimination Period: The Elimination Period is the length of time of continuous disability which must be satisfied before you are eligible to receive benefits. LTD benefits would begin after 180 days of disability, if you are disabled, as described in the definition above.

    During your elimination period you will be considered disabled if you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury, and you are under the regular care of a physician. You are not required to have a 20% or more earnings loss to be considered disabled during the elimination period due to the same sickness or injury.

Important Phone Numbers
Claims Questions
STD/LTD Claim
Fax#: 877-843-3950
E-mail: disabilityclaims@lfg.com

Website: http://www.LincolnFinancial.com


  • Benefit Duration Your duration of benefits is based on your age when the disability occurs. Your LTD benefits are payable for the period during which you continue to meet the definition of disability up to age 65, but not less than 5 years. If your disability occurs at or after age 65, benefits would be paid for a reduced period of time.
  • Pre-existing Condition Exclusion: You have a pre-existing condition if:
    • you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 6 months just prior to your effective date of coverage; and
    • the disability begins in the first 12 months after your effective date of coverage.
  • How to Apply
    • Current Employees: To apply for coverage, complete your enrollment form by the enrollment deadline. After that date you will be required to provide evidence of insurability in order to qualify for coverage. This will include a review of your overall medical health including routine, planned, unplanned or ongoing medical care or consultation, and may result in a declination of coverage.
    • Newly Hired Employees: To apply for coverage, complete your enrollment form within 31 days of your eligibility date. After that date you will be required to provide evidence of insurability in order to qualify for coverage. This will include a review of your overall medical health including routine, planned, unplanned or ongoing medical care or consultation, and may result in a declination of coverage.
  • Effective Date of Coverage Your effective date of coverage is January 1. For employees who become eligible after this date, please see your Plan Administrator for your effective date.
Contact Us

Customer service is important to us. If you have any questions or need additional information please feel free to contact us.

Benefits Administrator
Taryn Soignier
Louisiana Tech University
Keeny Hall
Ruston, LA 71272
(318) 257-2235

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Danny Coffman
Achieve Financial Group
124 Rim Rock Road
Aledo, TX 76008
(817) 441-5575 fax
(817) 296-6908 mobile
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