ID# - 10253226; PIN# - SSN (no spaces or dashes)
All Intact employees who work 20 hours or greater are covered by short and long term disability insurance. Lincoln Financial Group administers both of these plans. If you are going to need to be out of the office for more than seven calendar days due to an injury or illness please contact benefits@intactinsurance.com for the required paperwork.
You can report your disability claim by phone at 1.800.713.7384 or MyLincolnPortal.com
All employees who work at least 20 hours per week are eligible for short-term disability (STD). After satisfying your Elimination Period, benefits will be paid at 100% of Basic Weekly Earnings for up to three weeks and at 66.67% for up to 22 weeks for a total of 25 weeks of medically approved disability. STD benefits are paid directly by Intact according to the regular payroll schedule. After 25 weeks, you may transition to long-term disability (LTD). STD coverage is provided at no cost to you.
STD benefits begin on the eighth calendar day you are experiencing an illness or injury provided you are under the care of a licensed physician, receiving the appropriate available treatment and have provided Lincoln Financial with the necessary documentation. The illness or injury must occur and disability must begin while you are eligible for this coverage.
The first week of absence preceding STD benefits is covered by your PTO bank of time. You may borrow up the maximum accrual for the current calendar year to cover this period if PTO has not yet accrued. If PTO is not available, the time will be unpaid.
Intact provides disability benefits in accordance with the applicable disability laws in California, New York and New Jersey. Therefore, the company paid STD benefit will be reduced by any disability income received in accordance with these state plans.
Please note: Employees who work less than 20 hours are not eligible for Intact STD, but may be eligible for State Disability Benefits. If you are FMLA eligible, this protection runs concurrently with your STD benefit.
PTO only accrues during STD if you return to work. Therefore, if you do not return to employment after STD, or transition to LTD, PTO is treated as not having accrued during the STD period. Holidays that fall during your STD period are paid at the disability rate.
No pay increases are processed while an employee is on disability or leave of absence.
The Lincoln Short-term Disability Insurance Plan Benefits Summary
Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.