Short Term Disability, Long Term Disability

For more than a century Lincoln Financial has helped millions of people protect their livelihoods and plan for the future. With a diverse offering of employee benefits as well as retirement solutions, Lincoln strives to differentiate itself as an insurance carrier that can make the largest positive impact on any stage of an employee's life. 

Through LincSmart from Lincoln we’re proud to provide our customers with Lincoln’s Evidence of Insurability (EOI) solution, making it simple for your employees to submit EOI requests through our user-friendly connection via Single Sign-On (SSO) and receive real-time decisions from our API connection here on Benefitfocus. Going beyond API technology, our relationship with Lincoln ensures an optimized enrollment experience for your employees, shorter implementation timelines, no cost for additional standard integrations, and reduced pricing options for many qualifying products.

Bolstering their technology offering, Lincoln has invested heavily in providing brokers and employers with API solutions that remove the burden of administering benefits. To see how Lincoln makes benefits more beneficial, visit lfg.com/lincsmart. 

What's the difference between 'short' and 'long-term' disability coverage from Lincoln? 

Short-term disability insurance 
Short-term disability (STD) insurance pays a portion of your salary if you’re unable to work due to a covered illness, injury or childbirth. Disability coverage complements your standard health insurance, offering payments and benefits that can bridge a salary gap while you’re unable to work. The funds offer a layer of support against financial hardship so you can focus on recovery.  

Long-term disability coverage 
Long-term disability (LTD) insurance pays a portion of your salary if you‘re unable to work due to an illness, injury or surgery. Disability coverage complements your standard healthcare coverage, with payments and benefits that can bridge a salary gap if you’re unable to work. These funds offer a layer of support against financial hardship so you can focus on recovery.