Disability Benefits

Disability Benefits

Short-Term Disability (STD) Insurance Video

Short Term Disability benefits provide you a benefit for “short term” disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to a maximum benefit duration. These benefits are paid entirely by associates with an associate Buy-Up option.

SHORT TERM DISABILITYLincoln Financial Group
Eligibility• Active Full-time and Part-time associates except any person employed on a temporary or seasonal basis
• “Part-time” means working for a minimum of 30 hours during your regular work week
Core Benefit Amount
(Employer Paid)
75% of covered earnings to a maximum benefit of $3,000 per week
Buy-Up Benefit Amount
(Associate Paid)
90% of covered earnings to a maximum benefit of $3,000 per week
Elimination Period (Injury/Illness)Begins after seven (7) days
Maximum Benefit PeriodBenefits for one period of disability, will be paid up to a maximum of 25 weeks

NantWorks Short-Term Disability (STD) Benefit Summary 

Disability Income Calculator

Long-Term Disability (LTD) Insurance Video

Disability income protection insurance provides a benefit for “long term” disability resulting from a covered injury or sickness.  Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration. These benefits are paid entirely by Nant and its affiliates with an associate Buy-Up option.

LONG TERM DISABILITYLincoln Financial Group 
Eligibility• Active Full-time and Part-time associates except any person employed on a temporary or seasonal basis
• “Part-time” means working for a minimum of 30 hours during your regular work week
Core Benefit Amount
(Employer Paid)
60% of covered earnings, up to a maximum benefit of $5,000 per month
Buy-Up Benefit Amount
(Associate Paid)
60% of covered earnings to a maximum benefit of $15,000 per month
Elimination Period60% of covered earnings to a maximum benefit of $15,000 per month
Benefit DurationAge at Disability Maximum Benefit Period
61 or lessto age 65, your SSNRA, or 3 years and 6 months, whichever is longest
62Your SSNRA, or 3 years and 6 months, whichever is longer
63Your SSNRA, or 3 years, whichever is longer
64Your SSNRA, or 2 years and 6 months, whichever is longer
652 years
661 year and 9 months
671 year and 6 months
681 year and 3 months
69 or older1 year

NantWorks Long-Term Disability (LTD) Benefit Summary

Disability Income Calculator