Disability Coverage

Short-Term (STD) and Long-Term Disability (LTD) coverage is provided through Lincoln Financial Group. Disability Insurance protects your income if you are unable to work while on an approved disability. Consult your local HR Representative to verify eligibility.

Short-Term Disability

Modine provides Short-Term Disability (STD) at no cost to you to replace a portion of your income should you become disabled and unable to work due to a non-work-related illness, injury, surgery, or hospitalization. The plan covers up to 26 weeks of an approved disability.

Long-Term Disability (LTD)

Long-Term Disability insurance provides continued income replacement if you are unable to return to work after the exhaustion of your Short-Term Disability leave. The plan covers 60% of your monthly earnings, up to $15,000 a month. This coverage starts 180 days after a continuous disability and can cover you up until Social Security Normal Retirement Age.

Eligible employees are able to purchase Voluntary Long-Term Disability coverage. You will not be required to answer medical questions if you elect coverage when you are newly eligible. If you waive coverage and then elect coverage later, you will be subject to Evidence of Insurability (EOI), which must be completed within 60 days from the date of your enrollment. Coverage will not be in force until your EOI application is approved by Lincoln Financial Group..

How to Report Your Claim or Leave

Report your initial claim or leave by calling 888.408.7300. The intake center is available 24/7/365, or you can report your initial absence online at LincolnFinancial.com, First-time users must register using company code: Modine.