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Lincoln Financial Group Announces Family Care Reimbursement Benefit Rider on LTD Policies
Date:4/7/2009

r strengthens the long term disability solution Lincoln Financial offers, while assisting and supporting disabled insureds in their return to work efforts. Additional notable product features include:

Generous Partial Disability Calculation

This allows a claimant to receive up to 100% of pre-disability income through partial-disability employment combined with the LTD benefit payments for the duration of the claim.

Progressive Income Benefit

The core benefit is automatically increased by 10% when an insured suffers a loss resulting in significant cognitive impairment or the inability to perform two or more ADLs. The benefit may be increased up to 100% of pre-disability earnings with the purchase of additional coverage.

Recovery Benefit for Commissioned Employees

This provides a six-month supplemental benefit for commissioned employees while ramping up their pre-disability commissioned-based income.

Employee Assistance Program (EAP)* - No Additional Cost

Lincoln EmployeeConnect(SM) is the standard EAP included with all Lincoln Financial LTD contracts and is available to all insured employees. Lincoln EmployeeConnect(SM) services include phone and web access to master's level counselors, free face-to-face consultations, legal and financial resources, and more.

Please note that the products and features described above are subject to state availability, and exclusions and limitations apply.

    (1) Pew Research Center: "Baby Boomers Approach Age 60 - From the Age of
        Aquarius To the Age of Responsibility", December 8, 2005

    * Lincoln Financial EmployeeConnect services are provided by Bensinger,
      DuPont & Associates (BDA). BDA is an independent organization and is
      not part of Lincoln Financial Group.

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SOURCE Lincoln Financial Group
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