Disability Insurance
Frontier Dental Labs provides all full-time employees disability insurance as income protection in the event you are unable to work as a result of an illness or injury (outside of work). Frontier Dental Labs provides this coverage at no cost to you.
Voluntary Long-term Disability Insurance
The Lincoln Long-term Disability Insurance Plan:
Provides a cash benefit after you are out of work for 90 days or more due to injury, illness, or surgery
Starts with a “core plan” that is paid for by Frontier Dental Laboratories
Offers a simple “buy-up” option that lets you enhance your benefit at affordable group rates
Features group rates for eligible employees
Includes EmployeeConnectSM services, which give you and your family confidential access to counselors as well as personal, legal, and financial assistance
Coverage Period for Your Occupation
- This is the coverage period for the trade or profession in which you were employed at the time of your disability (also known as your own occupation).
- You may be eligible to continue receiving benefits if your disability prohibits you from any employment for which you are reasonably suited through your training, education, and experience. In this case, your benefits may extend through the end of your maximum coverage period (benefit duration).
Short-Term Disability Insurance
Protect your paycheck when you can’t work.
Many medical conditions can keep you out of work. Short-term disability insurance helps you meet your financial obligations while you’re recovering from an injury, illness, surgery, or childbirth.
Additional Information
Sickness Elimination Period: You must be out of work for seven days due to an illness before you can collect disability benefits. You can begin collecting benefits on day eight.
Accident Elimination Period: You must be out of work for seven days due to an accidental injury before you can collect disability benefits. You can begin collecting benefits on day eight.
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
Long Term Disability Insurance
