Long Term Disability is designed to provide income for employees who are disable and unable to work for an extended period of time. SGMC has two Long Term Disability options for our employees:
Basic Long Term Disability enables employees to receive 40% of their base salary, up to $6,000 per month, when the employee has satisfied a 180 day waiting period. Enrollment in Basic Long Term Disability plan is free to all benefit-eligible SGMC Employees.
The Long Term Disability Buy Up Option enables employees to purchase an additional 20% of base salary, for a total of 60%, up to $6,000 per month with a reduced waiting period of 90 days. This additional coverage can be purchased for a monthly premium based on age + annual salary. The LTD Buy Up Plan is guaranteed issue for all new hire and newly eligible timely enrollments. Evidence of Insurability (EOI) is required for all other enrollments, including enrollments during the annual Open Enrollment period.
If you are filing Long Term Disability and you are enrolled in the Basic plan, you must complete the 180 day waiting period. If you purchased the buy up plan, you must complete the 90 day waiting period. Lincoln may require you to submit supporting documents, as well as have a Case Manager contact you to confirm the information you have provided. To file your claim online, please click the File a Long Term Disability Claim link under the Quick Links section of this page.
Lincoln Financial Services offers SGMC Employees the option to enroll in Voluntary Group Short Term Disability Insurance. Short Term Disability fills the 90 day gap before you are eligible for Long Term Disability and only has a 30 day waiting period. Short Term Disability will pay you 60% of your weekly base salary.