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Long-Term Disability Coverage

In most cases, injuries and illnesses that keep clergy and lay employees out of work will not last more than a few months. But in some cases, employees need a longer recovery period. As such, Zurich American Life Insurance Company offers Long-Term Disability Insurance, and we encourage employees to purchase this insurance before injury or illness occurs.

Your organization may offer Long-Term Disability Insurance as a benefit, or individuals may opt to purchase it on their own.

New Disability Vendor

Zurich American Life Insurance Company (Zurich), a New York domestic life insurance company, will become the insurer for the group short-term disability (STD) and long-term disability (LTD) insurance policies, effective January 1, 2020.

Next Steps and Key Dates

  • Employers will receive a confirmation letter showing their disability insurance policy selection, or default plan placement (for those who did not make a selection during the enrollment period).
  • If you elected to offer employee-paid (voluntary) disability coverage, your employees will need to make an enrollment decision between November 19 – December 31, 2019 using this enrollment form.
  • Administrators may enroll eligible employees in employer-paid plans using MLPS beginning December 3, 2019. Groups adding 25+ new employees may use this template.
  • The effective date of coverage is January 1, 2020.

Want more information? Watch our webinars now available on-demand.

All communications regarding the change will also be posted in Documents & Mailings. Check there for anything you may have missed!

1 Policy Number: CNYEX01112

To learn more:

To file claims:

For claims occurring on or before December 31, 2019, call Lincoln Financial Group at (800) 210-0268 or go to www.mylincolnportal.com.

Policy Number: CNYEX01112
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