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Benefit Exclusions & Reductions
Additional Plan Benefits
Like any insurance, this long-term disability insurance policy does have
Premium Waiver Included some exclusions. You will not receive benefits if:

Family Income Benefit Included • Your disability is the result of a self-inflicted injury or act of war
Portability Included • You are not under the regular care of a doctor when you request
disability benefits
• Your disability occurs while you are committing a felony or participating
Open Enrollment
in a riot
• When you are first offered this
• Your disability occurs while you are imprisoned for committing a felony
coverage (and during approved open
enrollment periods), you can take • Your disability occurs while you are residing outside of the United States
or Canada for more than 12 consecutive months for a purpose other
advantage of this important coverage
with no health examination. than work

Your benefits may be reduced if you are eligible to receive benefits from:
• A state disability plan or similar compulsory benefit act or
law
• A retirement plan
• Social Security
• Any form of employment
• Workers’ Compensation
• Sick leave
• Any income received from the Employer
A complete list of benefit exclusions and reductions is included in the
policy. State restrictions may apply to this plan.

This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify
those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in
greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will
govern.
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EmployeeConnect services are provided by ComPsych Corporation, Chicago, IL. ComPsych and GuidanceResources are registered trademarks of ComPsych ®
Corporation. ComPsych is not a Lincoln Financial Group company. Coverage is subject to actual contract language. Each independent company is solely responsible
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for its own obligations.
Insurance products (policy series GL3001) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York,
nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply.

©2020 Lincoln National Corporation LCN-2016714-020518 R 1.0 – Group ID: 800020
Voluntary Long-term Disability Insurance At-A-Glance| Premier Plan
LTD-ENRO-BRC001-CA

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