1) This benefit helps pay for dependent care when the employee is out on a came. a) Progressive Income Benefit b) Infectious Disease Benefit c) Pre-Existing Condition d) Conversion e) Family Care Expense Benefit f) Medical Premium Benefit 2) When an employee is leaving the employer, this provision may be an option to keep their LTD coverage for a period of time under individual rather than group coverage. a) Portability b) Conversion c) Pre-Existing Condition d) Family Care Expense Benefit e) Infectious Disease Benefit f) Reasonable Accommodation 3) This benefit standardly pays an additional 10% benefit to an insured has a Loss of two or more Activities of Daily Living or Cognitive Impairment. a) Progressive Income Benefit b) Infectious Disease Benefit c) Family Care Expense Benefit d) Spousal Disability Benefit e) Retirement Protection Benefit f) Survivor Benefit 4) This benefit is payable to the spouse or dependents if the employee passes away after a set period of time after the date of disability. a) Spousal Disability Benefit b) Retirement Protection Benefit c) Progressive Income Benefit d) Recovery Benefit e) Medical Premium Benefit f) Survivor Benefit (AKA Family Income Benefit) 5) This provision allows a carrier to reduce/offset income the employee receives from a third party due to a lawsuit or settlement. a) Prior Insurance Credit b) Vocational Rehabilitation c) Recurrent Disability d) Subrogration e) Reasonable Accommodation f) Medical Premium Benefit 6) This LTD feature allows Lincoln to split the cost of materials with the employer to help an employee to return to work. a) Recovery Benefit b) Vocational Rehabilitation c) Reasonable Accommodation d) Retirement Protection Benefit e) Spousal Disability Benefit f) Family Care Expense Benefit 7) This benefit is only available for medical professionals – individuals with a medical license. If a covered employee contracts HIV or Hepatitis B and the employer says they can no longer work until the contagious disease is gone, Lincoln will consider them disabled from their Own Occupation a) Retirement Protection Benefit b) Progressive Income Benefit c) Family Care Expense Benefit d) Medical Premium Benefit e) Infectious Disease Benefit f) Survivor Benefit (AKA Family Income Benefit) 8) This benefit provides disability coverage for employees’ spouses who may not have disability income of their own. a) Spousal Disability Benefit b) Retirement Protection Benefit c) Survivor Benefit (AKA Family Income Benefit) d) Recovery Benefit e) Recurrent Disability f) Vocational Rehabilitation 9) This provision allows a period of time that the employee may return to work full-time following benefit payments, and, if the employee suffers from a recurrence, he may go out again without satisfying a new Elimination Period. a) Infectious Disease Benefit (HIV and Hepatitis B) b) Family Care Expense Benefit c) Recurrent Disability d) FICA Match e) Survivor Benefit (AKA Family Income Benefit) f) Recovery Benefit 10) This provision refers to any sickness or injury for which you have received medical treatment, consultation, care, or service (including diagnostic measures or the taking of prescribed medications) during the specified months prior to the coverage effective date. a) Reasonable Accommodation b) Pre-Existing Condition c) Recovery Benefit d) Progressive Income Benefit (PIB) e) Recurrent Disability f) Vocational Rehabilitation

Long Term Disability Benefits & Provisions

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