Lincoln Financial Group Disability Insurance Voluntary LTD Benfit Summary

2024 University of California

Benefits At-A-Glance

You are eligible to enroll in Voluntary Long-Term Disability Insurance if you

are eligible for Core, Mid-level or Full benefits

The Lincoln Long-term

Disability Insurance

Plan:

• Provides a cash benefit after

you are out of work for a

specified period for disability

due to injury, illness, or

surgery

• Features group rates for

eligible University of

California employees. A

premium estimator can be

found on UCnet to assist you

in determining your monthly

cost for this benefit.

• Includes EmployeeConnect

services, which give you and

your family confidential

access to counselors as well

as personal, legal, and

financial assistance

Voluntary Long-Term

Disability Insurance

Voluntary LTD (fully paid by you through payroll deduction)

60% of your monthly salary, limited

to $15,000 per month. The minimum

Monthly benefit amount

benefit is $100 per month. This

benefit is non-taxable.

•

Benefit Elimination Period: This is the number of days you must be disabled

before you can collect disability benefits. Benefits are payable after the later

of 6 months, end of sick leave usage or end of Voluntary Short-Term Disability

benefits.

•

Definition of Disability: “Disability” or “Disabled,” with respect to Voluntary

Long-Term Disability (VLTD), means:

During the first 24 months of VLTD, “Disability” or “Disabled” means that

during the Waiting Period and the next 24 months of Disability you, as a

result of Injury or Sickness, are unable to perform with reasonable

continuity the Substantial and Material Acts necessary to pursue your Own

Occupation in the usual and customary way; and

Starting with the 25th month of VLTD, you are unable to perform, with

reasonable continuity, the Substantial and Material Acts of any occupation,

meaning that as a result of Sickness or Injury you are not able to engage

with reasonable continuity in any occupation in which you could

reasonably be expected to perform satisfactorily in light of your age,

education, training, experience, station in life, and physical and mental

capacity.

•

Maximum Coverage Period: This is the total amount of time you can collect

disability benefits (also known as the benefit duration).

Age at Disability Maximum Benefit Period

Less than age 60------------------ Greater of Social Security Normal Retirement

age or to age 65 (but not less than 5 years)

60 ---------------------------------- 60 months

61 ---------------------------------- 48 months

62 ---------------------------------- 42 months

63 ---------------------------------- 36 months

64 ---------------------------------- 30 months

65 ---------------------------------- 24 months

66 ---------------------------------- 21 months

67 ---------------------------------- 18 months

68 ---------------------------------- 15 months

69 and over ---------------------- 12 months

•

Benefit Limitations: Benefits are limited to 24 months for mental illness; 24

months for substance abuse. If you are not confined in a Hospital or Institution

for Mental Illness and/or Substance Abuse, but are fully participating in an

Extended Treatment Plan for the condition that caused your Disability, the

Monthly Benefit will be payable to you for up to a combined period of 36

months from the date LTD benefits begin.

Lincoln Life Assurance Company of Boston

Additional Plan Information

Successive Disability: A Successive Period of Disability will be treated as part of a prior Disability if, after

receiving Disability Benefits under this coverage, you (1) return to work for the University on an Active

Employment basis, based on your normally scheduled workday; and (2) in less than six consecutive months

after you return to work for the University and while covered under this plan, you again become Disabled due

to the same or related cause as the prior Disability.

Benefit payments will be subject to the terms of this coverage for the prior Total Disability.

If you return to a job with the University on an Active Employment basis for six consecutive months or more,

the Successive Period of Disability will be treated as a new period of Disability. You must complete another

Benefit Waiting Period.

Pre-existing Condition: If you have a medical condition that begins before your coverage takes effect, and you

receive treatment for this condition within the 3 months leading up to your coverage start date, you may not be

eligible for benefits for that condition until you have been covered by the plan for 12 months.

Benefit Exclusions & Reductions

Like any insurance, this long-term disability insurance policy does have some exclusions. You will not receive benefits if:

•

Your disability is the result of cosmetic surgery, unless related to a disabling condition

•

Your disability occurs while you are committing a felony or misdemeanor or participating in a riot

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

•

Salary continuance

•

Sick leave

A complete list of benefit exclusions and reductions is included in the policy. State restrictions may apply to this plan.

Online solutions to manage your benefits

The University of California has a comprehensive website on UCnet dedicated to the Disability Plan. You can access this

website by visiting: https://ucnet.universityofcalifornia.edu/compensation-and-benefits/disability-life-

accident/disability/index.html

Additionally, Lincoln provides online resources and tools to help you better understand and manage your

benefits on its Portal. You can:

•

Report an absence or track the status of an existing absence

•

Review claim payment information

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.

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 for its own obligations.

Group insurance products and services described herein are issued by Lincoln Life Assurance Company of Boston. Lincoln Financial Group is the marketing

name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

LCN-2599341-061719

Supplemental Long-term Disability Insurance At-A-Glance