Disability protection

If a covered illness or injury keeps you from working, Lynn University’s short-term disability (STD) insurance can replace part of your weekly income. Benefits begin after you have been disabled for a continuous 14-day period, and can continue from day 15 through day 180.

Your STD plan replaces 60% of your weekly earnings, up to a maximum of $1,500 per week. In some cases, you can receive disability payments even if you work while you are disabled.

Premiums vary by coverage level. For more information, contact Employee Services.

You are considered disabled when it is determined that:

• You are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury; and
• You have a 20% or more loss in weekly earnings due to the same sickness or injury.

You must be under the regular care of a physician in order to be considered disabled.

Lynn University’s long-term disability (LTD) plan picks up where short-term disability (STD) leaves off after you have been disabled for a continuous 180-day period. It can replace part of your income if you are totally disabled and cannot work.

Lynn's LTD plan is provided to all regular, full-time employees at no cost. The benefit pays 60% of your monthly income, up to a maximum of $10,000 per month.

LTD insurance will continue for as long as you remain disabled, or until you reach your normal Social Security retirement age, whichever is sooner. If your disability occurs at age 65, your payments may be reduced.

You are considered disabled when it is determined that:

• You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury; and
• You have a 20% or more loss of indexed monthly earnings due to the same sickness or injury.

After 24 months of payments, you are disabled when it has been determined that due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fit by education, training or experience.

You must be under the regular care of a physician in order to be considered disabled.

Your STD and LTD benefit payments may be reduced or offset by other sources of income. The IRS may require you to pay taxes on certain benefit payments. Consult your tax advisor for details.

You cannot receive STD or LTD benefit payments for disabilities that are caused or contributed to by:

• War or act of war (declared or not)
• The commission of, or attempt to commit a felony
• An intentionally self-inflicted injury
• Any case where you're being engaged in an illegal occupation was a contributing cause to your disability
• Sickness or injury for which Workers' Compensation benefits are paid, or may be paid, if duly claimed
• Any injury sustained as a result of doing any work for pay or profit for another employer
• A pre-existing condition

You have a pre-existing condition if:

• You received medical treatment, consultation, care or service including diagnostic measures, or took prescribed drugs or medicines in the three months just prior to your effective date of coverage; or you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the three months prior to your effective date of coverage; and
• The disability begins in the first 12 months after your effective date of coverage.

For questions about Lynn's STD and LTD plans, how to file a claim or for the status of your ongoing claim payments, call Unum at +1 866-679-3054.