Disability benefits

Disability benefits, offered as part of the Death and Disability Plan, provide income protection and support to members who can’t work for an extended period of time because of a long-term disability. The Board of Pensions partners with Lincoln Financial Group to administer these benefits.

Coverage details

Key features of these benefits include the following:

• A monthly payment is provided generally equal to 70% of the greater of the member’s effective salary or the median salary, up to the IRS annual compensation limit.
  
• When a member is approved for disability status, benefits payments begin after a 90-day waiting period or when the member's salary or severance payments end, whichever occurs later.
• In addition to monthly disability income, other benefits, such as medical, death, and supplemental death benefits, may be continued during an approved disability.

In addition, the Board of Pensions provides each disabled member with personalized support for the duration of the disability. This support includes a designated disability specialist at the Board of Pensions and a designated case manager at Lincoln.

Eligibility

Employees enrolled in the Death and Disability Plan are eligible for disability benefits.

Cost

The Death and Disability Plan is paid 100% by the employer. Dues for this coverage are 1% of effective salary if provided with Defined Benefit Pension Plan enrollment, or 2.5% of effective salary if provided without the Defined Benefit Pension Plan.

About Lincoln Financial Group

Lincoln Financial Group provides advice and solutions that help empower people to take charge of their financial lives with confidence and optimism. Millions of customers trust Lincoln’s retirement, insurance, and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses.