Benefit Counselors will be available November 14 — 21, 2025 to help you enroll in voluntary benefits for 2026!
To ensure you understand your benefit options, each benefit-eligible employee will have the opportunity to speak with a benefit counselor over-the-phone.
Speak with a counselor to:
What’s Covered
This policy provides benefits when you are hospitalized due to a covered accident or illness, including conditions that result in ICU stays. Benefits are paid in addition to any other insurance you may have.
Key Benefits
Exclusions
As with any insurance, exclusions and limitations apply. The policy may not cover:
About Lincoln Financial Group
Hospital Indemnity Insurance is issued by The Lincoln National Life Insurance Company. Coverage details and availability may vary by state. Refer to your certificate booklet for full information on limits, exclusions, and covered services.
When you suffer an accident such as a burn or broken bone, Voluntary Accident Insurance through Lincoln Financial Group provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion.
The benefits of Lincoln insurance
With a commitment to caring for you and your family, Lincoln offers supplemental health insurance that can fill in financial gaps related to medical expenses. We’ve built these benefits with you in mind — affordable, accessible plans that help cover expenses stemming from chronic, serious illnesses and unexpected illnesses or accidents — concerns most expressed in a recent workforce study.
These incident-based benefits are yours to use as you’d like. Lincoln’s supplemental health benefits can help you keep up and move forward, whatever comes your way.
No one can be completely prepared when a critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Voluntary Critical Illness Insurance through Lincoln Financial Group provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries.
Group Critical Illness health assessment benefit
Healthcare professionals recommend regular health screenings — for good reason. Screenings make it possible to detect potential medical conditions early on so that you can take the necessary preventive measures to stay healthy. Now you have another incentive as well: If you are enrolled in Lincoln Financial Group Critical Illness insurance, we’ll pay you for keeping up with important screenings. As you’ll see below, a wide range of screenings and tests are covered. You’ll receive this benefit for one covered test per plan year — with no waiting period. Claims may be submitted by fax, mail, online through the employee self-service portal or email, and will be processed within 24 hours of receipt. Telephonic submissions are processed while the claimant is on the phone. The health assessment benefit is paid within 24 hours of receiving a completed claim form.
Personal Health Advocate
Take charge of your health care with Health Advocate, included with your Lincoln Critical Illness insurance. You get unlimited confidential support from skilled experts who will answer your questions, research treatment options, coordinate benefits, and resolve billing and claims issues to ease your coverage concerns. Employees, spouses, dependents, parents, and parents-in-law can use this service, even if they’re not covered on your critical illness plan.
Coverage includes diagnoses for the following conditions:
The Lincoln Short-term Disability Insurance Plan:
Elimination Period
Partial Disability Benefits
Successive Disability Benefits
Maximum Coverage 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 benefit for that condition until you have been covered by the plan for 12 months.
Maximum Coverage Period
The Lincoln Term Life Insurance Plan:
Employee Coverage
Guaranteed Life Insurance Coverage Amount
Maximum Insurance Coverage Amount
Dependent Spouse Coverage - You can secure term life insurance for your spouse if you select coverage for yourself.
Guaranteed Life Insurance Coverage Amount
Maximum Insurance Coverage Amount
Dependent Child(ren) Coverage - You can secure term life insurance for your dependent child(ren) when you choose coverage for yourself.
Coverage Amount
