Page 9 - County of San Diego- Updated Final LTD STD for Microsite - V2022.08.27

Benefit Exclusions & Reductions

Additional Plan Benefits Like any insurance, this short-term disability insurance policy
does have some exclusions. You will not receive benefits if:
5% Rehabilitation Assistance Included
• Your disability is the result of a self-inflicted injury or act of
Premium Waiver Included war
Family Income Benefit Included • You are not under the regular care of a doctor when you request
Portability Included disability benefits

C- Section Included 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

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.
Insurance products (policy series GL1101) 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-2016735-020518 R 1.0 – Group ID: 800020 Policy Number: 000010261914
Voluntary Short-term Disability Insurance At-A-Glance
STD-ENRO-BRC001-CA

9